vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent three update letters to all three credit bureaus, which are XXXX XXXX  and Equifax. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
Capital One refuses to correct the incorrect late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX per the XX/XX/XXXX Capital One Credit Bureau Resolutions Department 's reply, copy attached, to my XX/XX/XXXX letter to the Capital One Credit Bureau Dispute Department, copy attached. 

In good faith, I made the the lower payment offers to me by Capital One verbally on XX/XX/XXXX and letters of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Capital One failed to advise me verbally on XX/XX/XXXX or in writing, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX letters, that making the lower payments would result in " Late Payment '' status of my account for these individual payments. 

If Capital One intended to classify the lower payments offered to be classified as " Late Payment '', I would have expected Capital One to fully disclose their intention of classifying their lower payment offerings would result in those accepted lower payment would be classified as " Late Payments '' in their XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX letters to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have attempted to resolve this issue on multiple occasions with TransUnion with no resolution coming. There are several UNAUTHORIZED inquiries on my report that must be removed. Please take note of the below listed inquiries along with the dates : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX I am fully aware of my rights as it is stated clear as day under U.S Code 15 section 1681b ( c ) ( 1 ) ( A ) " ... in connection with any credit or insurance transaction that is not initiated by the consumer only if.. the consumer authorizes the agency to provide such report to such person ; or the transaction consists of a firm offer of credit or insurance ; '' I in no shape or form permitted any of these inquiries or authorized any form of credit applications to my knowledge. XXXX did not contact me nor perform any due diligence to state this was authorized in fact by me the consumer. At this point I am fully litigious and will pursue {$1000.00} for the stain on my report which is hurting my eligibility for credit

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 2021-02-06 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
My checking account with M & T bank has been compromised by XXXX twice in less than three months. It started on XX/XX/XXXX for {$.00}, {$1.00}, and {$19.00}. I was able to report and to leave email telling them to remove the charges but I was upset because M & T had nothing on its menu or online to report fraud. 

On XX/XX/XXXX an XX/XX/XXXX, XXXX hit my account for {$.00} and {$3.00}. Again I tried to contact M & T to no avail. Because Covid, reaching customer Service was impossible. I spent hours trying to reach them for over a week! I tried continuously and was really upset because my social security check is deposited in this same checking account! 
Finally, I called my local branch and a one of the female employee returned my call and resolved the issues. I told her what had happened. 
I received my stimulus check direct deposited into this same account. The check for {$600.00} I never received. I went to the IRS website and saw that I qualified. One suggestion on the IRS website said to ask your bank if they.received the funds. 
No answer. 
My mother who is XXXX also has an account with M & T. She wrote a check to a charity in XX/XX/XXXX. It was cashed later at XXXX XXXX XXXX and changed from {$100.00} to {$7600.00} in XXXX. M & T told use because it was check fraud, it would take 90 days to return her funds. When we called back in 90 days, M & T stated their investigator was on vacation and it would be handles upon his return. Nothing happened. No money went back into my Mom 's account. 
Last week, an investigator from XXXX XXXX called and asked us about the case. M & T had lied to us. They had never done an investigation!! In two days, my mom had her money back. since XX/XX/XXXX!!!! 
Something is going on. Senor citizens are being targeted! My mom had a similar problem with XXXX XXXX XXXX for alot less money. 
I am XXXX and my mom is 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 monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I Have a best buy store visa credit card, I purchase two XXXX television for a sum total of {$1500.00} each television was {$690.00} plus tax .When after seven days one of the television units stop working. I return the television unit seven days later and purchase a new television, however the new television that was purchase is not reflecting on my credit card statement and the difference is not being reflected either, the purpose for me writing this is because i tried contacting the store they state returns take up to thirty days, we are probably on day forty now and i would like my refund. The best buy in which this event took place was the best buy in XXXX  XXXX New York.

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 2021-02-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
XXXX XX/XX/2021 @ XXXX CST, I called Equifax to dispute inaccurate information being reported on my credit report. I disputed earlier, but information continues to show on my report. I explained that I had disputed earlier, and that they had not corrected. The issue is that Equifax is reporting on three of my accounts incorrect date reported inputs. I explained that a data entry person incorrectly inputted report date into the date reported field ( which are not the same ). These are all closed, XXXX balance, no activity accounts. I continued to explain that this administrative error is impacting my credit score in a very negative manner ; decreasing my score. Which is impacting my livelihood. My request is to have the information corrected immediately for the reason that it is Equifaxs error! If they could not correct the entry, I requested that they remove the accounts from my report! I requested to speak with a supervisor ( First Name : XXXX ). XXXX only proceeded to tell me that it would take 30 days to dispute. I explained that I had verified the information with the creditors, and that it was a quick fix! She proceeded to talk over me and not listen to the logic in correcting the error immediately. I continued to explain that the algorithm of their model is reading the incorrect information as a new account/delinquency! Therefore, reporting INACCURATE/INCOMPLETE information, and is UNFAIR REPORTING! 
XXXX then abruptly hung up the phone in my ear. Very unprofessional! 
I called back to the company and spoke with a different first line person. While talking with her, the call was disconnected? I called back a third time and was unable to get through..they somehow blocked me from reaching a live person. 
Again very unprofessional!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 I activated my Citi doublecash card and added it to my XXXX XXXX. I then was not able to verify the card and was told to call Citi. I waited a few days ( now its XXXX ) and I was told they are not able to verify my identity by any means except paper pin code. Now I have a fraud alert on my card and cant use it til I get this letter in the mail. The reps on the phones are the worst and dont offer any assistance except to say " Wait for the letter in the mail ''

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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously sent three update letters to all three credit bureaus, which are XXXX Experian and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

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 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-02-06 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: CO

Complaint narrative:
on XX/XX/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: NJ

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day XX/XX/21 I have not received an response yet. I feel like I am be taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so these items should be deleted promptly. I demand these accounts be deleted immediately or I will proceed with the litigation process due to the stress it caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 contacted Equifax and XXXX XXXX XXXX several times. I was asked to submit lease, utility bill, and identification to prove that I didn't open an account. The address that the card was sent to is not my address. My lease states that I have been in my current location since 2016. I want this information updated It is unfair to me to have inaccurate information on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2019 I attempted to dispute a fraudulent credit card account on my credit report with TransUnion. Yesterday I was notified that I am being sued by a collections agency for the outstanding balance on the fraudulently opened account. TransUnion did not investigate the disputed account and did not notify me that they were not investigating my dispute.

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 2021-02-06 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: FL

Complaint narrative:
on XX/XX/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation