vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am at wits end. I am trying to start internet service with XXXX XXXX XXXX because I am moving XX/XX/20 and my new apartments use only XXXX XXXX XXXX as their provider. XXXX XXXX XXXX for some reason can not pull my credit. They keep saying there is a fraud alert ( Equifax ). I had the fraud alert removed XX/XX/20. I have tried starting service online probably about 30+ times, I have tried starting service via a sales rep on the phone, etc. I have spoken with Equifax at least 3 times and they have confirmed the fraud alert has been removed. I log into my equifax account only and can see it has been removed. I do not know what to do. I have no other provider I can use, I work from home so I must have internet service. I need some serious help here. I have filed a complaint against XXXX XXXX XXXX as well. I did go online to various websites and saw similar complaints regarding Equifax. There is a glitch and it needs to be fixed ASAP. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: UT

Complaint narrative:
I am writing this due to non-compliance with the XXXX Credit Reporting Agency, XXXX  Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing this due to non-compliance with the XXXX Credit Reporting Agency, Equifax XXXX XXXX XXXX, and XXXX Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing this due to non-compliance with the Experian Credit Reporting Agency, XXXX Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
My complaints were ignored!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have been trying to work with XXXX  XXXX  and Experian on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Purchase a vehicle from carvana on XXXX, delivery and financing were completed with out problem. Fast foward 2 months and never received the new registration for the vehicle. Contact carvana say its okay they will process the registration before the temporary plate expires. I call carvana again a few days before the temporary plate expires and they claim they do not have the title for the car, that is why they have not registered it yet. Carvana then states it will be completed before the expiration of the temporary plate which is XXXX. Call carvana the day the plate expired they magically have the title and say the paperwork will be completed soon, leaving me a vehicle i can no longer drive. Offering no reimbursement at that time. Carvana claims paperwork was submitted on XXXX and offering to refund a months pay for {$280.00}, since im required to take taxi 's to and from work because i can not drive my vehicle due to their negligence. This amount only covers 5 days worth of taxis. On XXXX carvana contacts me saying the new registration is on its way via fedex and will require a signature to deliver. I request a tracking number so i can have someone be able to sign for this package. Carvana customer service claims they can not provide a tracking number. They will no longer respond to calls or chats on there website. It has been 3 weeks since i have been able to drive a vehicle i am paying for with no information as to when or if they actually have registered the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My identity was stolen. Have a police report and have tried multiple times to show them that this was identity theft. They are saying that it has been longer than a year and that I received services from this card. I have never had a synchrony card and have showed them multiple times this is identity theft and they will not take the police report. Again I have never had and never asked for a credit card I also had 7 cars that was bought with my id and multiple other identity theft in this same time. 
I have multiple faxes from where I sent police report and they will not accept. 
Every time I call them and start a fraud account they say and investator will call. I have only talked to 1 investigator and she told me she would call me back but never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've been a Capital One, credit card holder since XXXX. I've never had a missed payment and they increased my credit limit from $ XXXX to $ XXXX without my asking. On the XXXX of XXXX, XXXX I requested a credit limit increase, however, unfortunately I was denied. I then applied for a new credit card with Capital One, and my application was accepted with a credit limit of $ XXXX, twice my established credit with Capital One of $ XXXX. 

To my shock and dismay on Saturday XXXX, I discovered that both of my Capital One credit cards were blocked! I immediately called in and waited over an hour for a customer representative to become available. I was told that there was a question about my income, which I listed as $ XXXX in XXXX when I opened the Capital One credit card and on my latest credit card application with them as well. In fact $ XXXX is listed as my annual income on my Capital One credit card online profile as well. The customer service representative informed me the person over my case attempted to call me, however, my phone listed that number as a SPAM call, therefore I didn't answer. I was also informed that Capital One would send me a XXXX, authorizing them to view my IRS XXXX XXXX return for XXXX. 

This is absolutely unacceptable and in my opinion discriminatory. I have a XXXX XXXX  on all three of the major credit bureaus. As a small business owner the only time I've ever given any entity access to my tax returns is during this Pandemic, when I gave the SBA a Form 4506-T, authorizing the IRS to confirm my XXXX Business Tax Return whereby the SBA could continue the process of my EIDL corporate funding. I would never, under any circumstance grant any financial entity access to my personal tax returns for a paltry $ XXXX credit card! That Capital One, has blocked my long established credit card and new one which they initially granted with no issue is a violation of customer dignity.

I would never apply for any credit card which required my tax return as part of the application. For personal loan or business loan, perhaps, contingent upon the terms of the loan. However, never for a small $ XXXX credit card from a lender with whom I already have a nearly two year business relationship with. This insult is ludicrous. 

Furthermore, even if I were of such low self-esteem as to agree to the asinine demand of Capital One, I could not comply as I was unable to submit a XXXX Personal Tax Return, due to identity theft. I've attached documentation attesting to this fact!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: UT

Complaint narrative:
I am writing this due to non-compliance with the XXXX  Credit Reporting Agency, XXXX Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing this due to non-compliance with the XXXXXXXX  Credit Reporting Agency, Equifax Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: FL

Complaint narrative:
I was a victim of identity theft on which a fradulent collection was added to my credit report by XXXX XXXX for {$650.00}. Upon filing an identity theft report and going through the proper authorities, this has since then been removed from XXXX and XXXX  report for almost a year now. Equifax still refuses to remove this information and is single handedly ruining my credit as well as many life opportunies due to my credit. 

Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Because of your refusal to do so, I have filed a report with the CFPB, FTC, and my local XXXX. I expect this issue to be resolved, or I will not hesitate legal action through my attorney general 's office as well as a specialized law firm. 

Please respond and resolve my complaint as soon as possible, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I have a HSBC Premier Checking account, which was opened under a HSBC promotional offer in XX/XX/2020. Based on this offer, if I have more than {$3000.00} direct deposit to my HSBC Premier Checking account every month, then I will receive {$60.00} bonus each month. Since I opened this account in XXXX, every and each month I have met the direct deposit requirements. Over the past few month, before the last day of each month, I received the {$60.00} bonus posted to my checking account. However, for XXXX, the monthly bonus posting was delay to XX/XX/XXXX. For XXXX, today is already XX/XX/XXXX, but I still have NOT received the {$60.00} bonus yet. 

I contacted HSBC customer service by email, but they completely ignored me without any response yet. 

I request HSBC to post the $ XXXX  monthly bonus to my checking account immediately, which was supposed to be posted to my account by end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. Experian and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with Experian and XXXXXXXXXXXX but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. Experian stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. Experian and XXXX  XXXX  are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US XXXX courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with XXXX  court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I ve had an account with XXXX  XXXX open XXXX  XXXX  since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is 500 anf balance is only XXXX dollars. Please have credit bureaus update records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. XXXX and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with XXXX and Trans-union but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. XXXX  stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. XXXX  and Trans Union are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy  courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with Bankruptcy court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
four unauthorized inquiries reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ve had an account with XXXX  XXXX open XXXX XXXX since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I ve had an account with XXXX XXXX  open XXXX XXXX since XXXX 2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records

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 2020-12-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have been trying to work with XXXX  TransUnion and XXXX  on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.

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