vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: CO

Complaint narrative:
I tried to call the Experian at XXXX to no avail. It kept asking me to go back to menu and there is no live person to work to help customers like me. They are hardly answering the phone. Experian s goal is just to keep destroying customers credits. In pictures, please look at dates and amounts. The amounts kept changing, so did the scores. All showed I was one time late from Fall season to now. Same info on 1 time late, but the amounts and credits fell down. I had XXXX ... 1 late, then XXXX now with 1 late ... how is it possible? Plus older date shows 1 late but the amounts did change. How is it possible with same 1 late? Actually, I got late for the first time on XX/XX/XXXX using XXXX XXXX cos they d charge me {$9.00} if I want to pay thru phone. I dropped it and paid using my bank thru online. So that is why it was late, not my intentional act. 

Also, Experian recently got info on recreational loan ... recently, but I got the loan in late XXXX, 2020. Experian collected info late. Very late! I have autopay with XXXX XXXX XXXX, so I was on time. No report on it at all in Experian system. 

Experian also have conducted a business with XXXX XXXX and XXXX XXXX XXXX XXXX ... .I never use them or want to buy anything that use those companies. I dont even know what they are. I already have good running truck, so what auto do I need to look? This puzzles me. Experian is doing intentionally to harm us customers ' credits. 

Also, Experian blames me for disconnection with XXXX Bank XXXX XXXX to get Experian XXXX. It is not my fault. I don't know why they disconnected a several times. I wanted the XXXX  but Experian punished me for that. It is not my action that caused the disconnection. Perhaps, Experian is playin a game. They may disconnected to keep me and other customers stuck below XXXX for years. Their goals were to keep us below XXXX. If they care and help us customers, they wd call me and help me to improve credits. Never did. They dont even answer the nbr I called them today. No email address to contact and correspond with Experian at all. Experian XXXX is NOT THERE FOR US, therefore, u shld submit to congress to remove Experian from being our credit reporting bureau. EXPERIAN DOES NOT CARE ABOUT US, PERIOD.

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 2021-01-26 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have always paid my bill on time with this credit company but sometimes its a day late or so but never 30 days late. I have a specialty card that i never use so i rely on getting notified of my bill when i have a payment since i go months without using it. I know that i paid every bill that i ever got. I never got a bill or a phone call. i recently tried to get a home loan and i noticed that they have a late payments reporting on my credit report from years ago and it is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. Thanks

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 2021-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of last year I filed disputes with all 3 bureaus because there are some incorrect things bein reported. To this day they have not done anything to fix what it wrong. Why is this taking so long? 
I hope you can help with this matter.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I dispute it XX/XX/XXXX I disputed. And they still didnt fix it. 
I filed bankruptcy on XX/XX/XXXX. Kohls is still saying that my account is open and it was closed XX/XX/XXXX. They running my credit like that Im still using the card. And they giving me bad scores. My score was XXXX. And every month theyre reporting it as late payment. And it was included in the bankruptcy. I dont understand why they still making is still active as of XXXX I never activate nothing else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AAS Debt Recovery, Inc.
State: PA

Complaint narrative:
This account was my checking account. This account was hacked and there was fraudulent transactions made on it. It was brought to my attention three days later when I received a letter in the mail that the account was overdrawn. They did an investigation found out where bad checks were used on my account. Then a week later I received another letter stating I have to pay this amount back and totally blamed me! Now they know where it came from no where close to where I live. This account is FRAUDULENT. They would not consider investigation further into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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:
information that does not belongs to me was added to my credit report file, despite several unsuccessful attempts via telephone calls, trying to have the error fixed, removed from my credit file, it seems it was not going to be resolved. I have decided to try different revenues as such. please remove and block the listed negative report from my credit file as they don't belong to me, and should not be effecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: DE

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-26 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: CA

Complaint narrative:
In XXXX of last year I filed disputes with all 3 bureaus because there are some incorrect things bein reported. To this day they have not done anything to fix what it wrong. Why is this taking so long? 
I hope you can help with this matter.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: NJ

Complaint narrative:
Since XX/XX/XXXX I have been trying to activate my EPPICard, however I have not been successful. There is a typographical error with my social security number that is preventing me from activating my card. I have made several calls and have submitted documentation to verify my correct social security number to no avail. On XX/XX/XXXX, I was told that I needed to contact the Social Security Administration and have them to call Conduent and verify my social security number. Of course, that is not a function of the Social Security Administration, my verification is my social security card. I have been asking to have this issue escalated for days and I have not been provided with a contact person to resolve this matter. On XX/XX/XXXX, I spoke with a supervisor who had me to email my documents again while she was on the phone and she manually verified my identity. This was great, however, she only lifted the fraud alert on my account but never updated my social security number. I still do not have access to my child support funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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:
I summited disputes on four companies, XXXX XXXX XXXX, XXXX Card, XXXX, and XXXX XXXX XXXX XXXX. The dates that they were summited is as follow, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. I asked for the original copies of the contract on file with my signed signature. They are required by law to have these documents on file to verify this information. They had stated they verified these accounts. I want to know who verified these accounts? They also failed to provide the method of verification I had requested. If they can not provide these 3 items, I'm asking for both items to be deleted, as well as, {$1000.00} per item. I believe the law has been broken.

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 2021-01-26 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: NJ

Complaint narrative:
HI AM UPSET THAT ON XXXX XXXX XXXX XXXX XXXX WAS ON MY CREDIT. THIS COLLECTION IS NOT MINE AND I CANT MOVE FOWARD WITH MY LIFE WITH THIS COLLECTION. IT IS FARDULAENT AND NOT MINE. I HAVE XXXX KIDS THAT I AM TRYING TO MAKE A BETTER LIFE FOR BUT I CANT BECAUSE OF THIS. I NEED THIS REMOVED ASAP SO I CAN START MY NEW JOUNERY

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
The following items are of concern of this debt item showing up on my credit report. 

1. Each item exist at the CRA 's, XXXX, XXXX, and XXXX. 
2. I do not believe this trade line is owed by me. 
3. These items present themselves as if Transworld granted credit to me " credit grantor '' I have no contractual agreement with Transworld. 
4. I have requested validation of debt and nothing has been received 5. Data elements on the credit report specified for use by credit grantors are populated by Transworld. 
6. There are no monthly terms with a debt collector, please delete this inaccurate and incomplete tradeline. 
7. I never added a comment to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2021-01-26 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Experian has refused to delete two fraudulent accounts from my credit report. One was recently deleted and later re-inserted without reason or notice.The Bureau Even added a fraudulent address to my credit report that doesnt belong to me nor connected to any of accounts on my profile. 

The accounts go as follows : Santander Auto loan and a Fraudulent XXXX bill reported By XXXX XXXX XXXX XXXX. 

The account was included in an identity theft report I submitted to the bureau two months ago. I Also Added a official police report, copy of my drivers licence and social security number Under federal credit reporting act section 605b these account should be blocked from my credit report, however XXXX credit services has violated the law over and over by refusing to remove fraudulent account and even re-inserting without explanation. 

If these account arent removed from my credit report immediately.I intend to sue XXXX credit services in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I've been paying off this loan now for 14 years my grandson agreed with Sally Mae and they have changed to so many different companies giving me the run-around as of now it's navient to go to XXXX University. I've paid over XXXX in student loans and it seems I'll never have this paid off with the interest they have racked on this loan. I've asked for help and this has put me in the biggest hole of my life I'm XXXX years old and need help but no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
I cancelled my XXXX  account back on XX/XX/XXXX because I had been victim of an scam. Basically I sold an online service to a person and that person later on claimed to XXXX  the he/she did not receive the goods. I provided XXXX with all the documentation that proved I had provided the goods to the person and they failed against me so a negative balanced showed in my account. After that experience, I decided to close my XXXX  account and removing all my credit/debit cards as well as bank information. In order to remove any payment method from XXXX, you can not have any outstanding balance so by the time I closed the account, I did not have any debt with XXXX. 

It turns out that today XX/XX/XXXX, after 6 months of having my account closed, I received a letter from ACI ( american coradius international ) company regarding a balance of {$150.00} that I had not paid to XXXX which does not make any sense because I had already closed my account ( this means that I had XXXX debt ). Since I no longer have a XXXX account, I can not reach customer service and XXXX does not have a dedicated human phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
Please see the attached document that shows the bankruptcy was discharged INCLUDING ANY ALL STUDENT LOANS. Navient, the original creditor, is correctly reporting the loan as discharged in bankruptcy 3 years ago. XXXX, by law, is NOT ALLOWED to buy a debt that was discharged and then begin reporting it as collection owed. 

I will continue to fight this everyday until someone listens!!! STOP reporting it to my credit as collection, late!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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:
I requested the method of verification for XXXX XXXX XXXX And XXXX XXXX XXXX and all I keep getting sent to me the same verified and up dated letters. I never get a direct answer, they never provided me with any method of verification. These items are false and I want them deleted.

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 2021-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patrick K Willis Company Inc
State: CA

Complaint narrative:
A man by the name of XXXX XXXX is calling one of my colleagues with sensitive info regarding a car loan. I don't know how he knows about this loan since he is not associated with lender. He told my colleague detailed personal information regarding his call including my car make, color and year. He also gave her a file number. This is not OK! 

This concerned my colleague so much that she worried about my safety. If. you look this man up he is calling from different numbers in all states but it's always the same story. He calls from fake local numbers that are not assigned to any business. And it's never the same number. 

He harasses and uses language and collection tactics that are illegal. I have worked out a payment agreement with the lender. I tried to tell him this and he just talks over me. This man has crossed the line and has no business doing this to people. The contact number he wants you to call back on is consistent : XXXX. You can look at similar complaints at XXXX with this number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation