vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I took out a loan 2017 at Covington credit I told them I am going through a financial hardship they was harassing me at my job acting like a debit collector also calling my references after I told them not too constant phone calls rude calls at that. I told them to stop calling my job looking for me and stop calling my references the young lady told me if I would answer my phone she wouldnt have too do that and hung up. I got a call yesterday XX/XX/XXXX. Didnt answer my phone because already told them to report to my credit report and I will make the payments like that so it was no need for me to answer my phone. Now with the pandemic going on how will I make the payments now. I have pleaded with them too stop calling me and my job and my references. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$97.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX   XXXX  XXXX {$620.00} XXXX XXXX XXXX {$1000.00}

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 2020-04-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX   XXXX  XXXX {$620.00} XXXX XXXX XXXX {$1000.00}

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  on XXXX  XXXX, and there are many unknown ; suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Due to Covid 19 we are experiencing financial hardship. We own a XXXX. After 2 hours on hold we requested a lower APR to help us, they declined ANY lowering. They also were incredibly insensitive to the fact that the world is going through such a hard time. We were not asking for much, just a lower APR, they refused. Every other bank/cc has been able to lower or some making it 0 % at this time. There are many complaints on social media about their practices.

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 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
Sunrise credit Service - XXXX - is reporting on my credit and attempting to collect a debt that I had already paid and settled with XXXX XXXX XXXX.. They threatened and forced me to pay again so I have contacted my attorney regarding their tactics.

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 2020-04-03 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: WI

Complaint narrative:
The XXXX XXXX, is maliciously reporting fraudulent and incorrect information on my credit report. I have tried for 4months to reason out and resolve this with them and they refuse to even carefully look it. Instead of responding to me, they would contact the credit bureau and report it as validated. 

Some of the charges on the account are fraudulent and they are aware of it. 
I have provided them with all the documents they requested from me. 
I have offered to pay everything in full so we can get it over with. Even after paying them in full with interest, they still refuse to correct these fraudulent charges. 

They are failing to comply with the Fair Credit Report Act to responded within the allowed time. They also intentionally forge their mail response date to make it look like they responded in time and I have US Postal dates to show as proof for it.

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  on XXXX  XXXX, and there are many unknown ; suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security number.

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 2020-04-03 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: CA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  on XXXX  XXXX, and there are many unknown ; suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security number.

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 2020-04-03 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: NV

Complaint narrative:
XXXX  is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. 

XXXX/XXXX  XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears 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 explanation
Consumer complaint received 2020-04-03 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:
I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of 2020 Capital One Bank USA put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. I have been patiently waiting for this company to update this inaccurate late pay on my account but they have failed to do so. This late payment has caused my score to drop significantly for their wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Hello, I am simply trying to find out if my XXXX year old son has a credit report as a way of verifying that his social security number has not been used to take out credit under his name. The reason that I am trying to verify this is because I had lost his SSN, which was written down on a form that I had accidentally left behind somewhere. However, I have been unable to do so through www.annualcreditreport.com or the credit bureaus without having to mail in lots of information on him including his social security number and a copy of my ID, which I feel uncomfortable doing as it may pose more of a risk. I don't understand why I can't at least receive a confirmation stating that no credit report exists ; I do not feel that it should be this hard to be proactive for my child 's sake. Thank you.

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 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Comenity bank is reducing credit limits arbitrarily thereby making my credit card usage appear higher, which damages my credit score and increases my interest rates. This means that it costs me more money to borrow money for a new house, car, etc. 

I have contacted them to ask why my limit was reduced or my account closed on my Victorias Secret, XXXX XXXX   XXXX XXXX and a few more and they told me their computer generated model got information from the credit bureaus that assisted them in making this unilateral decision. So I guess adding to peoples financial problems during a pandemic is what they call good business practices. 

The unwarranted actions of this company has caused me actual monetary damage and that is the basis of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: LEXISNEXIS
State: LA

Complaint narrative:
I have filed two credit disputes with LexisNexis in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my last request. The response letter was dated XX/XX/2020. LexisNexis stated on page 2 the following, " After a reinvestigation of the data in question, LexisNexis verified that bankruptcy case number XXXXXXX is accurately reporting on your LexNexis Risk View Report. '' LexisNexis did not provide the original documentation bearing my signature or their method of verification in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have a Victoria 's Secret credit card showing on my credit report. The status is saying that it is included in bankruptcy. This account was not included in bankruptcy. This is a violation of the FCRA. It has been paid off with their servicer XXXX XXXX  in return for them promising in writing to delete the tradeline completely from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 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:
I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

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 2020-04-03 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: PA

Complaint narrative:
I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

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 2020-04-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX   XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX   XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: GA

Complaint narrative:
XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Credit Score reporting and score complaint exclusionary conduct claim To whom it may concern : I am submitting this complaint pursuant to FCRA 15 U.S.C., section 1681 : 1. I have noticed that on my report is inaccurate information reporting by your company regarding XXXX  account. I have payment arrangements with XXXX  and I contend that credit report indicate that I am not paying on same. I deny that claim and contest it.

2. I state that my credit score is discriminatory and unfair. I state that I believe exclusionary conduct is being applied to my credit score reporting an
d that it arbitrary and capricious.

3. I state that XXXX, TransUnion, XXXX  and XXXX report my score in vast difference of scores. As of XX/XX/XXXX XXXX  reported my score as XXXX based on TransUnion  data. However, TransUnion report my score to XXXX XXXX as XXXX. This is a vast margin of 52 points, and I contend that these scores are exclusionary conduct and fundamentally unfair in differentiation. 

4. I state that XXXX  is not consistent with my actual credit report. I state that I had a below average score of XXXX when I had much more debts and collection accounts, and wasnt paying on the accounts at time. So how is it that at the time I have paid off numerous accounts, keeping my payment history at 98 %, and no deragotory marks that my score continue to lag and take a low dive? I contend that this is sheer discrimination! 

5. Furthermore, I state that I have reasonable evidence of XXXX   practicing Algorithms against me due to my race, social, cultural, and religious affiliation and associations.

6. THEREFORE, in compliance with the Fair Credit Reporting Act of 1970 and the Equal Credit Opportunity Act, I respectfully ask XXXX  to re-evaluate my credit score, and upgrade same in the spirit and color of law of fundamental fairness. 

Respectfully submitted, /s/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Email : XXXX XXXX [  XXXX. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I applied for a XXXX XXXX  XXXX  card and was approved for a XXXX credit limit I ordered a recliner two weeks ago and I called symphony and i was told a second review was done and I was denied. I believe this was due to my age. This is discrimination

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I received a bill dated XX/XX/20 from Phoenix Financial Services for XXXX. I immediately contacted them and let them know that this was a part of a fraud account with XXXX XXXX and that I had police reports for this theft. I also contacted XXXX XXXX to have them contact : Phoenix Financial Services to let them know that the debt was not mine. After a few weeks I noticed the debt still appeared on my credit report. I immediately contacted them again and asked this be taken off my credit report asap. they said they could not and I have been getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/2020 I've had my Best Buy credit card for over 7 years, and I have always paid the bill on time. On XX/XX/XXXX I went online to pay my bill and the website was having issues. I tried call them on a few occasions to pay my bill and was told to call back because the high amount of calls received. Due to the COVID 19 pandemic we are told to stay home, and Best Buy was not allowing people in there store. At that time I only owe {$1.00} to Best for my card payment but I was unable to get my payment to them. I finally go through but it was pass the due date. My credit limit was {$4000.00} and was drop to {$500.00}, which has cause my credit score to drop. Best Buy was able to update date my payment and remove late fees, but when I reached out to Citibank ( Best Buy ) to instate my credit to XXXX, they said I should have made a better attempt to pay and that they can't do nothing to restate my previous credit limit.

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