vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted disputes to XXXX, XXXX, and Transunion via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.

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 2020-06-18 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: CA

Complaint narrative:
I submitted disputes to XXXX, Experian, and XXXX via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.

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 2020-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here
State: VA

Complaint narrative:
From XXXX I have been receiving harrassing and repeated phone calls from XXXX XXXX in regards to my car payment that I am currently behind on Dud to Covid -19 which my hours were cut .. I asked the rep if she could assist me to help me get on track by asking if she could defer my payment. XXXX told me in a very rude way that I needed to make my payment or she was going to repo my car. I then tried to explain to her that Im doing the best that I can an just needed the assistance since Ive gotten my hours back. And she began to talk to me as if I was a child and went on to belittle my situation that I was in due to covid. I have tried to Contact her manager and she told me I could not speak to him I had to deal with her only. When I did leave a message for him to call me back he had her to call me back and she threaten to take my car if I did not pay she calls an text me repeatedly to the point that its turned into harassment. Ive asked on numerous occasions to have another rep to work with because she is very nasty and rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CA

Complaint narrative:
I submitted disputes to Equifax, XXXX, and XXXX via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-06-18 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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC is not allowing linking of bank accounts to XXXX. They instead have told me they want consumers to send and receive money with their service XXXX. I believe in the consumer 's right to choose who they want to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX {$490.00} XXXX  XXXX {$87.00} XXXX   XXXX {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
** ( UNFAIR CREDIT** ) REPORTING XXXX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also XXXX   Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my XXXX XXXX are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. XXXX Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was in constant contact with XXXX XXXX and requested they advise all financial institutions we were in dispute and they neglected and refused to do so! This has resulted in delinquent status and late fees and payments on two of my accounts and a third now insisting I pay interest although the account has NEVER been utilized and I never authorized the opening of it. At the time I didnt know I could dispute the account entirely and was mislead since it was already open in my name and 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 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
was in constant contact with XXXX XXXX and requested they advise all financial institutions we were in dispute and they neglected and refused to do so! This has resulted in delinquent status and late fees and payments on two of my accounts and a third now insisting I pay interest although the account has NEVER been utilized and I never authorized the opening of it. At the time I didnt know I could dispute the account entirely and was mislead since it was already open in my name and on my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2012 Santander Cosumer USA {$5500.00}. I am disputing this account as fraud. Please investigate this account. Enclosed is an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I had paid to have my insurance payments in escrow by Flagstar Bank. Flagstart failed to renew my insurance and did not notify me until XX/XX/XXXX. As soon as I received this notice I purchased insurance. Now Flagstar is claiming that I did not have insurance from XX/XX/2020 to XX/XX/2020 and charging me a premium to obtain insurance. I did have insurance till XX/XX/2020 so they are not giving me credit for this time. The reason that I did not have insurance from XX/XX/202 to XX/XX/2020 is due to they fact that Flagstar did not renew my insurance even though they are supposed to since I am making payments to escrow. I have contacted my previous and current insurer and neither will write a policy for a past period, so Flagstar is asking for something that is not even possible and it their fault to begin with.

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 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My wife paid off debts to XXXX and Victoria 's Secret in XXXX of 2013. In spite of the payment of this debt, various debt collectors have continued to call and collect the same debts over the past several years. The most recent attempt was from phone number XXXX. The person on the phone stated they were going to press charges unless my wife paid. 

This is harrassment, and unless my wife 's information can be expunged from any and all records, I feel like these calls will never stop. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MECHANICS BANK
State: CA

Complaint narrative:
Date : XX/XX/12 Amount : {$17000.00} the account is well over 7 years and it is still reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint.

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} 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 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX   nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} 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 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 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 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