vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2020, I went onto the Transunion website to dispute an incorrect line item on my credit file. They require an account to be created in order to be able to dispute. I then created the account and was prompted to enter my credit card to " confirm my identity ''. I then noticed a charge of {$26.00}. I absolutely did NOT approve this, nor was I even provided the chance to opt out to select another option. These funds were taken out under false pretenses. To make matters worse, it is almost impossible to find contact information. And the FAQ offers no solution to this either. I am attaching screen shots of this.

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
Consumer complaint received 2020-06-18 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: MA

Complaint narrative:
I see several 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
I tried to transfer money to my friend in the XXXX on XXXX XXXX. transaction XXXX I received an email then that said my transaction was put on hold they need more information from me I provided them the information ( email attached ) they requested. Then I received another email that said I had to call them. When you call them all their phone lines are not in service due to the virus. 

I send them another email and stated that their phone lines are not accepting calls. 

I just need for them to release the funds and open my account back so I can continue to send my friends money in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One saying the following : " Its been over 3 years since youve used this credit card account. As a result, the account will be closed due to inactivity on XX/XX/XXXX. Until then, the account has been restricted and cant be used for transactions or unrestricted prior to closure. '' I received no warning that it was going to close. I keep this card in case of emergencies. ( There was a time when I lost my primary credit card and struggled to pay for things for a while. ) I called customer service today ( XX/XX/XXXX ) and asked to keep the card open. They declined. They said they can't " change the status in the system, '' but they can send me the value of the rewards on the card ( worth around {$10.00} ) as a check. They confirmed that I received no warnings that my account was going to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
In XXXX, after I canceled XXXX XXXX I was sent a bill for XXXX. According to my records I had paid everything and had a XXXX  balance. I called XXXX and disputed the charge, at that time I used my records of my previous bills to dispute the charge. The man I talked to couldn't tell me where the charge was coming from so he said he would rectify the situation. Shortly after I got a call from a Collections Agency and notified them that the situation was corrected and they needed to talk to XXXX. Even after telling the agency this they still tried to get me to pay, but as far as I was tracking after talking to XXXX I didn't owe that charge anymore. I never heard anything about the charge or received any bill after that, until it showed up on my Credit Report. I called XXXX XXXX for further information. The lady I talked to notified me that the reason I wasn't tracking the charge is because it was from a different account back in XXXX that they transferred into the account that I was canceling in XXXX. They did this without my knowledge or without any notification, furthermore the guy I talked to the first time from XXXX had no clue where the XXXX charge was coming from. I Paid the full charge to XXXX and the apologized for the miscommunication. The delinquent dept I feel is wrongfully posted on my credit report because when I was told from XXXX the the charge was settled the first time I never received any notification from XXXX notifying me it was reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report 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 2020-06-18 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report 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 2020-06-18 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:
I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$500.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$3500.00} XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MO

Complaint narrative:
Equifax should not be reporting that I am ( 120 ) days late, as well as reporting a collection in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the account balance is incorrect, and Second, there are no late payments to report. The interest rate being charged is well over 200 % and most importantly this is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! Please remove this line item and/or update to report correctly. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove and/or update this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
** ( UNFAIR CREDIT** ) REPORTING EQUIFAX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also Equifax Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my paralized hands are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. Equifax Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Financial, with whom I have an auto account, has not reported payment history or account updates to the three credit bureaus in 6 months. My last reported date is XX/XX/XXXX. The amount owed on my credit report is false, I am current on all payments - yet the status of my account is 30 days late. I have spoken with them twice to try to reach a resolution to no avail. I noticed the dependency after trying to apply for a home loan. Upon contacting them, learned that this issue stemmed from something that happened in XX/XX/XXXX/XX/XX/XXXX and they were " actively '' fixing it. They assured me it would be taken care of within 3-5 business days and would be updated immediately. Two weeks later, I contact them again after noticing there have been no updates to my account. I was then told the process would take more than 45 days. When asked why was I not notified of the issue or the changes that occurred with their system, I was told they did not anticipate it taking this long which is why consumers were not notified of the issues they were experiencing. This callous disregard of my account, it's negative effect on my life and the way it has been handled is unacceptable.

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 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$500.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$3500.00} XXXX {$3500.00}

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 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$500.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$3500.00} XXXX {$3500.00}

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 2020-06-18 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:
DECIDED TO MAKE A BIG MOVE IN BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SO I WAS NOT WORRIED ABOUT THAT BEINGTHE FIRSTSTEP. OUTOF SURPRISE A BIG LIST OF ACCOUNTS IB HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I would like to link my bank accounts to XXXX for the purpose of buying stocks and building a portfolia. 

PNC have this blocked, I was unaware of any block in place, and by doing so they are restricting would I can do with my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I was late in XXXX and XXXX, XXXX on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) I reached out the XXXX and talked to a representative and I was advised that all late payments had been brought forward and no penalties had been applied. These accounts are in forbearance and should not be reporting any lates. I have also contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the lates reporting. This is not true. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I was late in XXXX and XXXX, XXXX on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) I reached out the XXXX and talked to a representative and I was advised that all late payments had been brought forward and no penalties had been applied. These accounts are in forbearance and should not be reporting any lates. I have also contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the lates reporting. This is not true. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-18 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: CA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$490.00} XXXX XXXX {$87.00} XXXX   XXXX {$78.00}

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 2020-06-18 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: CA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$490.00} XXXX XXXX {$87.00} XXXX   XXXX {$78.00}

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 2020-06-18 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: AR

Complaint narrative:
DECIDED TO MAKE A BIG MOVE IN BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SO I WAS NOT WORRIED ABOUT THAT BEINGTHE FIRSTSTEP. OUTOF SURPRISE A BIG LIST OF ACCOUNTS IB HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
DECIDED TO MAKE A BIG MOVE IN BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SO I WAS NOT WORRIED ABOUT THAT BEINGTHE FIRSTSTEP. OUTOF SURPRISE A BIG LIST OF ACCOUNTS IB HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report 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