vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: NY

Complaint narrative:
On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XX/XX/XXXXXXXX breach and have got no response.

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 2021-05-12 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: NY

Complaint narrative:
On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and Equifax Data breach and have got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
In XXXX of 2019 I was switching my direct deposit from a local bank to a national bank. My employer cut me a live check to deposit, but this check had 3 numbers missing from the end, which I was unaware of until 1 month ago. In 2019 when I deposited the check my new bank account with XXXX  XXXX XXXX was immediately closed due to fraud. Since XXXX of 2019 I have not been able to open a checking or savings account in my own name. I have submitted 3 separate disputes to early warning services and each time they determine that everything on my consumer report, including me being a fraud, is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I disputed with Eperian the following accounts reported by- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  , and XXXX XXXX XXXX in the file you maintain under my Social Security number. And on XX/XX/XXXX I was informed that these items were deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to the subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to purse legal action for your blatant disregard to the law. I have attached the letter that I resent to the credit bureaus.

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 2021-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have an active auto loan with Capital One Auto. My loan was delinquent as the end of 2020, but I have been current on this loan since XXXX. Despite that, Capital One Auto continues to report that my loan is past due, and we're halfway through XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MD

Complaint narrative:
XXXX XXXX XXXX finally corrected my XXXX  report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.

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 2021-05-12 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: MD

Complaint narrative:
XXXX XXXX XXXX finally corrected my Equifax report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX  comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX  comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MD

Complaint narrative:
XXXX XXXX XXXX finally corrected my XXXX  report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.

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 2021-05-12 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: CA

Complaint narrative:
I found out that my identity information was stolen and was opened fraudulent student loans by U S. DEPARTMENT OF EDUCATION/XXXX. I submitted the POLICE REPORT from XXXX XXXX Police Department and FTC Identity Theft Report to the credit reporting agencies. XXXX  has deleted these fraudulent accounts but XXXX  and TransUnion have ignored all documentations I have sent them. I contacted XXXX  and TransUnion and they stated that the police report needs to be signed by the police officer. I went back to the police station and got the signed police report. However, these two credit reporting agencies : XXXX  and TransUnion don't pay attention to any documents and refused to resolve this problem.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Simple Bank switched to BBVA on XX/XX/XXXX and I have not been able to access my account since then. Anytime I attempt to log in, I am directed to " forgot your password '' reset, once I've done the reset it directs me to call BBVA because my account is " locked ''. I have called twice and been on hold for more than an hour both times only to be disconnected and my call dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I have a 36 month lease on a Volvo sedan serviced by VOLVO CAR FINANCIAL SERVICES ( VCFS ) Due to the pandemic, my auto needs have changed. Today I attempted to trade my car at XXXX. XXXX contacted VCFS to get a pay-off of the lease. VCFS refused to provide a pay-off and told XXXX that they will only give a dealer pay-off to a Volvo dealer. Essentially, Volvo is preventing me from trading my vehicle at other dealerships and forcing me to go to Volvo and limiting my choice of vehicles.

This is clearly a restraint of trade and a violation of the Anti-Trust laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We paid off our auto loan with Wells Fargo in full on XX/XX/2021. Although it took several days, their system has completely removed all online references to the loan, including account number. Still, on XX/XX/2021, their system withdrew a monthly payment for that very same auto loan from our account with another bank, causing major problems with overdrafts and late fees. How is this not larceny? The bank assures us they will refund us the money, but we are still out the fees caused by the illegal 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 monetary relief
Consumer complaint received 2021-05-12 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: DE

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. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Volvo Car Financial Services U.S., LLC
State: CT

Complaint narrative:
Volvo car financial services sent my previous loan balance ( which I thought I paid off ) to collections. They were calling the wrong number to contact me. I paid the loan off in full once I was made aware there was a balance. They refused to work with me. It dropped my score by 100 points. They refused to work with me to rectify the situation. I have had four volvos and will never do business with them again. Shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card sent a promo email saying that they would issue a {$45.00} credit for purchasing a XXXX XXXX XXXX membership, and that the credit would be issued within three billing cycles. However, after 4-5 billing cycles, the credit has not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MT

Complaint narrative:
On XX/XX/2021 I called Jefferson Capital because they were calling my personal cellphone repeatedly and I did not know who they were at first. When I found out and called them they asked me if my phone number is ( XXXX ) XXXX and I said " no that is my work number and you guys are not allowed to call that number. '' I then gave them my personal cellphone number and told them that is the only number they are allowed to contact me at. Today, XX/XX/2021 they called my work office and spoke with my boss. They told her they are a debt collector and are trying to collect a debt from me and needed to get ahold of me and that the work number was the one they had. This was not true and I told them specifically they were not to call me at work prior to this. I called them back on my personal cellphone after my boss told me this happened and I told them that is not a number for them to call me at as it is my work and I told them before they were not allowed to call it. They said " we will note the account '' but then proceeded to call shortly after I had ended that call with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : This is not my account

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 2021-05-12 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 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX  Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX  Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2020 I reached out to Capital One for assistance under their COVID program as I was having an issue paying my bills. After agreeing to their program and MAKING PAYMENTS each month, Capital One have reported me as seriously delinquent to the credit reporting bureaus which is harming my ability to obtain credit and buy a home. They are stating that I was late in excess of 90 days which is simply not true. I have challenged this multiple times and Capital one simply will not take action to remedy. I have 3 accounts with them and the same issue is consistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted a dispute with Experian, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with Experian in the amount of {$9100.00}, E, and XXXX is reporting {$8800.00}. There are multiple inaccurate with this report. 

1. The balances don't match.

2.The reported dates don't match.

3.The past due dates do not match. 
4.Experian has not provided me with proof of debt. 

I would like this account to be deleted immediately due to being inaccurate, unverifiable, and unduly.

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 2021-05-12 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XX/XX/XXXX I received a XXXX letter from XXXX regarding a charged off jcpenny account that I could no longer pay due to hardship in XXXX for the amount of XXXX which more likely includes collection fees. At the time I explained that I could not pay due to dealing w the XXXX of a parent and am currently dealing w my fathers illness that is ongoing. When I offered to settle the account for 20 % I was told that want acceptable and the harassment through calls and now letters continue. I am also dealing with the side effects of major surgery. XXXX had not sent me any additional letter until today as we have issues w the mail. And I have not gotten a bill from XXXX since 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