vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HONOR FINANCE, LLC
State: IN

Complaint narrative:
I had a car loan with honor finance they came and repossessed the car last year in XXXX however it reflects on my credit report that honor finance repossessed the car in XXXX of this year I have called honor finance and I have called the credit bureaus to dispute the item and have it updated correctly and have not gotten anywhere I even ask the credit beauru to ask honor finance to furnish the paperwork showing when they repossessed the car and they will not and the credit agency will not update my credit report to the accurate information that they repossessed the car last year in XXXX as a result when I have applied for new car loans I have been denied because this repossession Isvshowing they just repossessed the car in XXXX of this year this have made my credit score drop tremendously because I keep reapplying for car loans also it have severely tarnished my credit report and financial image to the point no one wants to give me a car because honor finance and the credit beaurus has been falsely and knowingly putting this inaccurate information on my credit report even after i have made many attempts to correct the report and yet even the credit beaurus have updated my report as accurate when its not accurate this in my eyes is a violation of my consumer credit reporting rights and Im asking that the Cfpb step in and render the appropriate action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
They are harassing me by calling me several times every day, even on Sundays. They also call very early every day at XXXX XXXX  I have told them to stop calling, but the keep calling daily. These calls usually wont answer me, they just hang up on me and they never leave me a message.

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 non-monetary relief
Consumer complaint received 2018-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2018 {$660.00} I disputed a charge that I did not receive sevices for from XXXX and Bank oF American from XXXX and the charges has reappeared.

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 2018-09-02 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: Perfection Collection
State: NY

Complaint narrative:
The credit reporting company refuses to investigate a fraudulent charge made with my information. I contacted the creditor directly and they had no record or proof that I requested the information, instead they tried to get my personal banking and answers to secret questions usually used when establishing credit. The fraudulent creditor is perfection collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HONOR FINANCE, LLC
State: NV

Complaint narrative:
I joined a monitoring service in which I noticed a fraudulent auto loan on my file in my name in which i did not obtain From Company Honor Finance for the amount of {$5000.00}. This account is Fraudulent and does not belong to me and has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: TX

Complaint narrative:
A unauthorized transaction was made on my account with XXXX XXXX and the recipient never received the funds. The company refused to return my money.

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 2018-09-02 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: TX

Complaint narrative:
Here we go again with Equifax openly admitting to Placing fraud on my credit report. First of all my wallet had been stolen in my wallet was my social security card, drivers license and email addresses. Additionally my postal address had been forwarded and I have recently corrected these issues including getting my email addresses correct. EQUIFAX has already been notified and has received law enforcement documentation and FTC Identity Theft Affidavits for each account that has been mentioned and discussed as fraud. Equifax deleted these fraudulent accounts to comply with the FCRA laws since they have been notified of fraud. I then check my reports today and see EQUIFAX has placed one of the accounts that I never applied for and already marked as fraud BACK on my equifax report. Again these are FRAUDULENT. I am a victim of Identity theft, you have received documents from Law enforcement agencies. You have received FTC Affidavits explicitly explaining the crime and how i became a victim. By Placing fraudulent information on someones credit report and not advising the consumer you are placing this fraud knowing its fraud is against the law. 

You placed an account for XXXX XXXX which I never applied for back on my credit report. Again this account is fraudulent, This account was already deleted. You have the amounts incorrect, you have the account numbers incorrect XXXX has already been notified this was fraud. This was applied for with an address I have not ever lived at. They advised me the last payment made was from a " XXXX XXXX '' Which I have never been associated with. I want this account blocked from my file immediately. You can't place fraud back on someones credit reports especially when this account was already listed in my previous FTC Reports i have sent to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
I requested a collection account validation I sent a certified letter the Cadillac accounts receivable to validate the debt the debt was alleged on XX/XX/2014 the alleged amount was {$770.00} I have called them several times without any response all I've been is hung up on they will not validate this debt also it's in violation of the federal and state HIPAA privacy laws the Fair Credit Reporting Act the Fair Debt collection procedures Act and the definition of my character I would like to have you investigate this for me because I'm not getting anywhere with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
1. XXXX  of XXXX  account no. XXXX being reported multiple times on all three bureaus. 

2. Balances incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have a documentation from the state of Wisconsin confirming the dismissal order of a case that I was involved in, however it still remains on my credit profile from all three credit reporting bureaus.. 
I have tried working with many repair agencys with no results. This issue is affecting every aspect of my life and prohibiting me from moving forward.

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 2018-09-02 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: PA

Complaint narrative:
Discover Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my credit karma I called discover and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XXXX of 2018, I have been attempting to get a copy of my credit report and file disputes. I have been able to send in letters for dispute and receive e-mails from Equifax that my disputes are available to review on line. 

However, I am never able to go online due to the system being down each and every time. 
I have made numerous calls to Equifax and always get the same response. The system is down for repairs and I always state the same thing how long will the system be down because I have been trying each week for months and now it has been 9 months. 
Equifax says keep trying. 
I am never able to view any results and I am always asked the same questions about my report. I don't know some of the answers because I am not able to view the report. 
It has affected employment due to an investigation into my Equifax reporting incorrect information. 
To date, I am still not able to view anything online and I paid for access to the reports thinking this would resolve the problem, which it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/18 I received a notice from XXXX app that my XXXX score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my Barclay credit card account. According to the contract terms I have with Barclay service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. Barclays representative refuse to give me a copy of the requisition allegedly sent of XX/XX/XXXX nevertheless, XXXX representatives told me it was not sent untilXX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by Barclay causing an adverse affect on my credit score.

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 2018-09-02 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: PA

Complaint narrative:
XXXX Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my XXXX XXXX I called XXXX and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2018 someone tried to make an inquiry using my name and information. This was not authorized by me and was fraud. I had called the lender XXXX and the explain the situation they said there customer service team said they would kindly remove the hard inquiry since it was not authorized by me

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 2018-09-02 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: PA

Complaint narrative:
On XX/XX/2018 someone tried to make an inquiry using my name and information. This was not authorized by me and was fraud. I had called the lender XXXX and the explain the situation they said there customer service team said they would kindly remove the hard inquiry since it was not authorized by me

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 2018-09-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A.  law. 
There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2018-09-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2018 I got hit with a hard inquiry from chase. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: AL

Complaint narrative:
Debts reported to credit bureaus by XXXX XXXX XXXX cell phone company.. Fraudulent activities, was done to account and I had reported to XXXX XXXX XXXX cell phone company, but they are damaging my credit. Wrongfully charge {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Looks like on XX/XX/2015 a loan for a car was made. The person who has the car I have never laid eyes on and I keep getting the bills to pay for this car. My name is XXXX XXXX XXXX and the name on the loan is not how my name is spelled or pronounced. I never gave permission for my credit to be checked and the loan is showing up on my credit report. The person has now moved and I am having to pay for a vehicle that I do not own and that is not fair. It is showing according to the company that I am the buyer and the other individual is the co-buyer. Like I say I have never seen this car or the person who is showing as co-buyer. This needs to be fixed. I am very upset about this. Want this removed from my credit report since I have no idea of the person or the car. The finance company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: PA

Complaint narrative:
On XX/XX/2018 I got hit with a hard inquiry from XXXX. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.

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 2018-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
1. THE AMOUNT OF MY STUDENT LOAN IS INCORRECT 2. THE ACCOUNT IS BEING REPORTED MULTIPLE TIMES

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 2018-09-02 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: EQUIFAX, INC.
State: MA

Complaint narrative:
1. THE AMOUNT OF MY STUDENT LOAN IS INCORRECT 2. THE ACCOUNT IS BEING REPORTED MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: MA

Complaint narrative:
1. THE AMOUNT OF MY STUDENT LOAN IS INCORRECT 2. THE ACCOUNT IS BEING REPORTED MULTIPLE TIMES

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 2018-09-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 wells fargo hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at wells fargo I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.

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 non-monetary relief
Consumer complaint received 2018-09-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/18 I received a notice from XXXX app that my Equaifax score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my XXXX credit card account. According to the contract terms I have with XXXX service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. XXXX representative refuse to give me a copy of the requisition allegedly sent of XXXX nevertheless, Equaifax representatives told me it was not sent until XX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by XXXX causing an adverse affect on my credit score.

Company response to consumer: Closed with explanation