vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
WAKEFIELD & ASSOCIATES COLLECTIONS failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I received a notification from XXXX XXXX advising that a collection had been added to my account. There was no phone number or any other contact information listed. I XXXX the company name and was advised that they were attempting to collect a debt on behalf of XXXX. I advised them that I have not received cash assistance in over 20 years. I also advised them that I had never received any correspondence from them regarding the debt. And if I did owe any debt that Id filed a bankruptcy so all collection activity shouldve ceased. It is illegal to report an account for a second time to any credit bureau after the 7 year term. This account was placed back on my credit by this collection agency fraudulently. They reported this as new debt as of XX/XX/2020 but verified over the phone that it was more than 10 years old. They have reported false information to all 3 credit bureaus as if this is a new debt. This is considered Re-aging debt and this is illegal in the state of Illinois!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Since XX/XX/2020, I've been mailing a personal statement to Experian at the address on their investigation report as required and ensured that my statement was under 200 characters. Every time, I mail in a consumer statement they do not add the statement to my credit report they simply reinvestigate the item and arrive at the same results. Today, I called into Experian and was finally able to speak to a representative who transferred me to another representative who said she had to " type '' my customer statement for me. She then stated that she couldn't say " type '' what I wanted on my statement. As this is my statement and it didn't contain any PII she should have typed my statement as I read it and applied it to my credit report. I should actually be able to add my OWN personal statement to MY credit report without intervention from anyone else. Today, I see again that a new investigation has been submitted and the statement is still not on my credit report. I'm so tired of the games with Experian & XXXX. What hoops do I need to jump through as a consumer to have a personal statement added to my account? Why is taking several months to have a statement added? Why am I not able to write my own personal statement? This is my 5th request to have one statement added.

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 2020-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX   XXXX XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 explanation
Consumer complaint received 2020-07-21 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX  XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, CHILD SUPPORT ENFORCEM # XXXX, CHILDSUPPORT # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-21 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:
FTC Violations XXXX {$1000.00} XXXX {$5200.00} XXXX   {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-07-21 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: PNC Bank N.A.
State: MI

Complaint narrative:
PNC BANK failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello on XX/XX/20 I was aware of a XXXX XXXX account reporting in my name that I never opened up. Upon filing a complaint with XXXX XXXX they have assured me there is no store card in my name. I am trying to make sure there is also no AMEX account in my name as I did not open up this card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: FL

Complaint narrative:
In XX/XX/XXXX, Audi announced that they are deferring auto loans for 3 months for COVID relief. I contacted Audi to request the 3-month deferment. I spoke to Customer Service Rep, XXXX XXXX, on XX/XX/XXXX and requested the COVID relief deferment. 

It was granted. 

This month, XX/XX/XXXX, XXXX rescibded on theyre official agreement to me and others and changed the terms of the deferred agreement. Audi is saying that they promised me a deferment for 1 month which is not true. They granted me 3 months COVID deferment along with many others. This is an outrage and the most inhuman thing a financial company can do to a citizen of the United States. This is fraud and Audi Financial Services should be fined heavenly. 

To prove it. I complained to Audis Customer Service rep, XXXX ID # XXXX, on XX/XX/XXXX. Then Audi sends me the attracted letter dated XX/XX/XXXX that they are only giving me a deferment for 1 month. Because Audi knows what they did is illegal, they suddenly generated a letter after I complained to protect themselves. This should be reported to the FCC for unfair business practices. ( PLEASE SEE ATTACHMENTS ) Audi granted approval of my Car loan payments and deferred it for 3 months to XX/XX/XXXX, due to COVID relief however now theyre saying now I owe them now and theyre changing their minds. This is an so unfair, immoral and illegal. That is why I am reporting this to you Consumer protection bureau so you can hold them accountable for fraud and trying to swindle customers because Audi financial is singling me out and trying to take back the deferment that they granted me. This is unfair. You cant pick and choose certain people to defer for 3 months and than treat me different and take back my deferment. Id like someone from the CFPB to call me in regards to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a US Bank Credit Card holder for 14 years. 
I have never missed a payment nor had a late payment till recently when I lost my job due to the Covid-19. 
In XX/XX/2020, There was a message form the US Bank XXXX, telling consumers that " US Bank Is there to help and there was a link and a phone number to call ''. 
I contacted that number and asked the rep to do a 90 days deferment for me, just like I did ask XXXX, XXXX XXXX   XXXX XXXX ... 
US bank was very vague and did not specifically say that they have a deferment program but mentioned reversal of Late fees. I mentioned that all my other Credit Card Companies offered the 90 day deferment and why wasn't US bank following their Lead ... There was no answer from the rep. 
Long Story Short, I get calls from US bank on XX/XX/XXXX & XX/XX/XXXX and they collect a payment from me, not enough to cover my minimum payment, I again mention to them about a deferment option and they are vague and do not give me a definite answer. 
Finally they call me XX/XX/XXXX & XX/XX/XXXX and collect all of their past due, then they put a 90 Days late on my credit, lowering my score XXXX points in 1 day. prior to this I had never had a late payment with any of my creditors and they ruined my 100 % payment history. 
I contacted them several times, and wrote to them, but they refuse to take these late payments from my credit stating that " The account information reported by US bank to CRA is accurate '' Another Ironic Twist ... 
Today I received an email from US bank giving us a message from their CEO ... 

" Banks are the cornerstones of communities and, in times of crisis, it is more important than ever for people to know they can count on us. We take that responsibility seriously. I wanted to let you know about some of the things we are doing to help minimize the impact XXXX has on you, our employees and the communities we serve '' This is almost comical, since they should say ... 
you can be a loyal Card Holder for 14 years, and Never miss a payment, but if you loose your job during the pandemic, tough luck ...

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 2020-07-21 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: CL Holdings LLC
State: GA

Complaint narrative:
I have been attempting to dispute an unverified account on all 3 of my Credit reports during this process I have sent 2 dispute  letters as well as debt validation letters each certified to XXXX XXXX and XXXX on dates XXXX XXXX and XX/XX/2020 to Jefferson Capital Systems LLC as well as the original creditor which is XXXXXXXX XXXX. The only response from the XXXX XXXX was an invoice sent on XX/XX/2020. They have been unable to provide me with original contract bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from Jefferson Capital Systems LLC it has been brought to my attention this debt has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have bran violated by Jefferson Capital Systems LLC regarding this account. I have submitted this complaint in attempt to have this debt removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CBC Companies, Inc.
State: WI

Complaint narrative:
On the credit report it shows that we still have a mortgage with XXXX XXXX/ XXXX XXXX XXXX 
This mortgage was transfer to XXXX in XX/XX/XXXX. We do not owe money on this to XXXX XXXX. It needs to be removed or reported as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened

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 2020-07-21 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: TN

Complaint narrative:
ftc on accounts all XXXX XXXX XXXX XXXX XXXX XXXX all XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX  ( all )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
ftc on accounts all XXXX XXXX XXXX XXXX XXXX XXXX all oXXXX XXXX XXXX XXXX XXXX / pXXXX XXXX XXXX ( all )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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