vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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:
Hello, I would like to inform you that I have crazy error in my credit profile. The point is that these accounts are not mine I do not know the, they are somebody else I guess or its just identity theft and someone used my personal data. I am shocked how these items damaged my score and I can not imagine what to do in this case. Could you please figure out the origins of those accounts and probably investigate my case. And of course I will ask you to remove it forever.

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 2021-06-15 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:
Hello, I would like to inform you that I have crazy error in my credit profile. The point is that these accounts are not mine I do not know the, they are somebody else I guess or its just identity theft and someone used my personal data. I am shocked how these items damaged my score and I can not imagine what to do in this case. Could you please figure out the origins of those accounts and probably investigate my case. And of course I will ask you to remove it forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I went in to pay my credit card bill on XX/XX/XXXX. My payment day is on the XXXX of every month. I called to wave the late fee of {$37.00}. Looking through my account with a credit limit of {$500.00} I noticed that I was charged a total of {$170.00} in late fees and interest fees and a {$10.00} fee every month which would make this card {$120.00} to use for the year plus an annual fee of {$99.00}. So {$290.00} to run a credit card with {$500.00} credit limit. I called in to waive the late fee only to be told I missed last months payment which is untrue. I logged in and made XX/XX/XXXX 's payment but this was not updated to my account. Upon calling on XX/XX/XXXX I was told the late fee could be waived. I want my late payment erased from my credit along with {$60.00} in fees refunded to this account so I can pay the balance and close this account. This company is a fraud and preys on people who take on their card. This late fee update has cost my credit 68 point drop! I need this fraudulent company put on notice and this updated. 

I also have plenty of instances where I pay and I do not get an email stating a paid nor any proof of payment. Currently this company is reporting to credit agencies that my monthly payment is {$77.00} and credit limit was {$760.00}. This is untrue and I need all of this updated 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
While I was getting a loan, the bank had mentioned that my credit and payment history is excellent but of one negative on my report for delinquent payments. I said I pay all of my loans. They mentioned Affirm and I have no idea who they are. I called Affirm. They wouldnt give me any information because none of the questions they asked me matched. I asked to speak to a supervisor or manager. Again none of our info matched. I asked them if they have my ss # so I could say my last 4, and they said they dont have my ss #. I asked if they could email me what I could do. They dont even have my email address. I asked them what this was for and they said they can give me that information. I have disputed this with XXXX. They cant even give me info what is it that I supposedly bought. I dont know what else to do but just know that anyone can put something negative on my credit report without having my personal information. I do whatever I can to keep my credit good and something like this is so frustrating and irritating that theres nothing I can do to maintain this. I feel helpless and I dont understand why I'm getting stuck paying someone else 's stuff. If I'm going to get stuck with this payment can I atleast get whatever it is?? Thank You! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My savings account from XXXX XXXX XXXX XXXX was charged on XX/XX/XXXX for the amount of {$38.00}, XX/XX/XXXX for the amount of {$38.00} and XX/XX/XXXX for another {$38.00}. I was again charged XX/XX/XXXX and XXXX of XXXX, and XX/XX/XXXX and XXXX for {$38.00} each. I wasnt charged again until XX/XX/XXXX, XXXX and XXXX of XXXX again each for the amount of {$38.00} to an Amex epayment account. I do not have an Amex account or have ever applied for an American Express card. I have contacted both my bank and Amex. Amex has repeatedly told me that there is no account under my name or social security and therefore can do nothing for me. They insist that it is my bank that needs to further investigate the case. When I call my bank they repeatedly tell me that Amex should be able to look into it since the account is with them. My bank has been helpful in setting me up with a new account. I would really like to know where this charge has come from and where my money is going to and if possible to retrieve the money Ive lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NC

Complaint narrative:
The purpose of this complaint is to inform you that these companies I am complaining about ignored my requests. I sent a letter requesting them to validate accounts on my report that does not belong to me. Within that request there was a debt validation form that they needed to fill out. Until this date I have not received any correspondence from these companies. At this point these companies are in violation of the Fair Credit Reporting Act Section 611 ( a ). Based off of the aforementioned act and section, they must remove the provided accounts if they do not complete a thorough investigation and respond to me within 30 days. Again I would like you to know that it has been over 50 days and still no response from these companies. This situation is stressing me out and I am looking to start litigation against these companies if they continue to ignore me. If it helps, my information was affected by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}

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 2021-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed
State: TX

Complaint narrative:
In XX/XX/XXXX, I reached out to my loan servicer Texas Guarantee Loan or the Trellis Company about payments that were being garnished and were being applied only to the interested and collections fee. Their response was that they were following federal regulations for student loans. However, they advised that in response to the expansion to covid-19 relief act on the Department of Educations guidance, they were in the process of halting garnishments and were working to 'refund the garnishment payment dating back to XX/XX/XXXX. ' As of that contact, I failed to hear from them about this. As of the last week of XX/XX/XXXX, I have consolidated all my loans with another servicer because of how difficult they are to work with, but when I reached out to Trellis in regards to the 'refund of garnished payments ' they stated that my loans were now closed and did not even make an effort to answer my question. My complaint is regarding this refund. I would like to find out if the refund of those payments were completed and or if those payments were applied to the principal balance at all. I was being garnished approx. {$200.00} a paycheck and for a whole year that would be approximately {$2400.00}, or maybe more. I know that may not be a large amount, but I still want to know that they were applied correctly. I do have emails in regards to this conversation and can forward those upon request. I have also submitted this complaint to the US Department of Education and Federal Student Aid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
To Whom It May Concern, It has come to light that this credit " Bureau '' is not in my best interest, and is in the art of illusion to sell me the " secured party creditor '' a status that is not only unconstitutional but unlawful. This " Bureau '' has obfuscated my consumer rights to do business as a consumer & as the original creditor. Further, this so called " credit organization '' is not found in 31 U.S.C. and is not Congress made. The level of fraud here is a true art of illusion for those without an eye. I DEMAND this unlawful entity completely remove & clear ALL these " credit reports '' and the amendments with my XXXX  name in order to continue to do business. TREMBLE DAMAGES WILL APPLY IF MY DEMAND IS NOT MET. 15 USC 1692c. ( c ) 15 USC 1692c. ( c ) ( 2 ) -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, It has come to light that this credit " Bureau '' is not in my best interest, and is in the art of illusion to sell me the " secured party creditor '' a status that is not only unconstitutional but unlawful. This " Bureau '' has obfuscated my consumer rights to do business as a consumer & as the original creditor. Further, this so called " credit organization '' is not found in 31 U.S.C. and is not Congress made. The level of fraud here is a true art of illusion for those without an eye. I DEMAND this unlawful entity completely remove & clear ALL these " credit reports '' and the amendments with my XXXX  name in order to continue to do business. TREMBLE DAMAGES WILL APPLY IF MY DEMAND IS NOT MET. 15 USC 1692c. ( c ) 15 USC 1692c. ( c ) ( 2 ) -

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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted 2 wire transfers between my Bank of America checking account and my XXXX  brokerage account. I have successfully recently completed the same wires. One wire was for {$1000.00}, and one was for {$990.00}. Bank of America told me the wire transfer successfully went through, but the funds are not in my account. I called XXXX and gave them the transaction numbers, and they said they had not received them. I then called them back, and they informed me I had to pay a {$25.00} fee for each wire to initiate a trace. I didn't even know they could lose money while wiring it to myself when I had just completed one successfully a few weeks back. This amount is the vast majority of my paycheck, and I now do not have access to it.

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 2021-06-15 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:
There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXXS - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}

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 2021-06-15 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:
There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion owns XXXX XXXX, XXXX reported that my score was XXXX for XXXX XXXX and XXXX, until XX/XX/XXXX when it was reduced to XXXX. 
I applied for a loan with XXXX XXXX On XX/XX/XXXX. I was denied the loan and told they based this on information from TU. TRANSUNION had told XXXX XXXX That my credit score was only XXXX, nit XXXX that Transunion was showing me. 

Why is Transunion reporting to me one score but then reporting a lower score to lenders?? 

Please see attached image showing no change during the time of thw request XX/XX/XXXX. Then reference the PDF email which shows TU telling XXXX XXXX a much lower score. 

Its been my experience that if you catch someone doing fraudulent and deceptive dealings, that is most likely NOT the first time, nor the last. That's just the time I caught 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 2021-06-15 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

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 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
These accounts are not mine and I want you to help me to figure out what happened exactly and why I have fraud accounts in my credit report. I ask you to delete them all

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 2021-06-15 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:
These accounts are not mine and I want you to help me to figure out what happened exactly and why I have fraud accounts in my credit report. I ask you to delete them all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
I have been trying to remove incorrect information from my Equifax credit report for the last 2+ months. I filed online disputes on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, and in none of those cases were the errors corrected to my satisfaction. 
I also called the customer support line twice on XX/XX/2021, but was unable to properly initiate a dispute due to their systems being " down for maintenance ''. 

In all of these cases, I was unable to get incorrect names, date of birth, SSN, addresses, and credit accounts completely removed from my account. 

With the exception of the XX/XX/2021 dispute, I never received a readable document showing the results of my disputes ( the PDF files provided were consistently corrupted ). I have had to use my allocation of 6 free credit reports to view an update, which is how I discovered the consistently incorrect Further, the result of the XX/XX/2021 dispute resulted in my previously correct current address and date of birth being changed into *incorrect* information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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:
not mine : fcra not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX J 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