vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I had this account is outside of the statute of limitations under the fair debt collections practices act and i wanted this account deleted from my XXXX  credit report due to very harmful negligence by XXXX XXXX  XXXX. I once had a checking account with them in which the banking officer XXXX XXXX had setup the secured loans payment to come directly out of my checking account for for some strange reasons in the banking system it did not take the money out of the account by which my direct deposited of social security for the XXXX would have taken care of the secured loan that i had with them in order to establish payment history. I have had terrible service with them on this issue and resolving this issue with them. I was told that their systems did not recognize my account by which the payments was to come from and it was not their fault the banker assured me of the payment and in the ledger the four month was called a system error by the electronics funds transfers act the bank blamed it on me fir their negligence. I removed my funds from their bank and i had to suffer with this derogatory 4 so called missed payments because their systems XXXX up and when i called them to speak to XXXX XXXX the branch manager they did not even consult her because she did not work there anymore. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Secured Loan Balance Loan Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: VW Credit
State: CA

Complaint narrative:
I have an established agreement with Volkswagon XXXX due to being impacted by the pandemic and Volkswagon is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent to Equifax proof of my identity like social security card and drivers license proving what my name is. I'm still getting correspondences and they are reporting the incorrect name. 

Wrong name : XXXX XXXX XXXX XXXX name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I never had an account with this company Im a sick man with XXXX and cant even go to the gym, u reach out to this company many times but for whatever reason theyre not investigating this account and wants me to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 have told Experian that I have not received anything from these companies and these accounts were opened as a result of FRAUD. These accounts need to be deleted and blocked from my report for XXXX XXXX XXXX XXXX & XXXX XXXX. 
Thank you in advance for assisting me with this problem.

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife made a XXXX gift purchase on our account from a merchant named XXXX on XX/XX/XXXX. We received the clothing on XX/XX/XXXX. The size of the clothes were misrepresented ( the size on the label was nowhere near the actual size ) and, when given as a gift, did not fit the recipient. 

We tried to get an exchange/refund from the merchant, but they appear to be a dropshipper from XXXX and refused. 

We initiated a chargeback dispute ( # XXXX ) with our bank ( Simple ) on XX/XX/XXXX for two transactions - {$100.00} and {$1.00} ( which appears to be an ISA Fee charged by Visa related to the transaction since the merchant appears to be in XXXX ). We received a reply from Simple on XX/XX/XXXX stating that " per Visa rules, charges have to be reported within a certain time frame in order for us to attempt to successfully return the charge. '' That time frame was 120 days from the posted transaction date. I pointed out to them I initiated it at 114 days, not 120+ days. They apologized and stated they would investigate the disputed transactions. 

Shortly thereafter, COVID-19 hit. I was looking over my emails and bank statements, and noticed there hadn't been any updates. So I contacted Simple on XX/XX/XXXX asking about the status. They replied on XX/XX/XXXX stating " the dispute in question was reasserted and is still being investigated. '' Finally, on XX/XX/XXXX, I received a reply from Simple stating " we have no recourse as this charge was too close to the timeframe for it to be submitted to Visa and the investigation will remain the same. The dispute will remain denied and no funds will be applied for the disputed transactions ... We have no further recourse. '' I reached back out to Simple that same day because that excuse is unacceptable. Guidelines are in place for a reason - I met my requirements and I expect Simple/Visa to meet their requirements. Simple replied on XX/XX/XXXX stating " unfortunately the dispute denial will stand. Even though you reported the dispute before the 120 days, Visa was backed up and not able to get to it before their deadline expired. At this point the dispute is out of our hands and we will not be able to dispute it further. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$0.00} XXXX {$800.00} XXXX  XXXX {$71.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$720.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2020-05-13 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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$0.00} XXXX {$800.00} XXXX  XXXX {$71.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$92.00} XXXX  XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$720.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2020-05-13 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 AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH XXXX XXXX XXXX. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO XXXX XXXX XXXX AND TO THE EXPERIAN BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH XXXX  XXXX XXXX. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO XXXX XXXX XXXX AND TO THE EXPERIAN BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: IL

Complaint narrative:
In complaint XXXX, the company agreed to report the account, which was timely paid under a trial plan, as current. The exact words : " MidFirst has requested the credit reporting agencies to which it reports to revise the credit for the consumer to show the loan paid-as-agreed for the months of XX/XX/XXXX through XX/XX/XXXX. MidFirst has not received any communications in response to this request and, because it thinks that the credit revision resolves the consumers concerns, has not planned any follow up action in response to the complaint. '' On or about XX/XX/XXXX, the action described above was taken on all three credit bureaus. 

However, Midland has now reversed course and worse. As of today, XX/XX/XXXX, Midland reported numerous >90 past due for XXXX, PLUS it has failed to record the timely-paid XXXX and XX/XX/XXXX payments to the loan, and added a note that claims that I am not paying the loan because I am " affected by a natural disaster. '' This reversion to the history presently appears in my XXXX  report, and the other two reports include the refusal to report my timely XXXX and XX/XX/XXXX payments and the notation that I am not paying the loan because I am " affected by a natural disaster. '' I attach proof of Midland 's reneg on its previous commitment as well as proof of timely payments and a copy of the previous complaint and resolution.

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 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Im a costume of XXXX and my account is correct and pay every month on time, but for some reason they have a next account in my name that doesnt belong to me and XXXX wants me to pay for this account what doesnt belong to me because I only have one account with them, it was removed before from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Not my inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 collection letters I continued to receive in the mail. I have never heard from the place before. 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 XXXX XXXX XXXX XXXX {$520.00} EQUIFAX XXXX {$350.00} XXXX  XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX AR XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX {$610.00} XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX  XXXX XXXX  XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: MO

Complaint narrative:
I disputed XXXX XXXX  opened XX/XX/XXXX amount {$750.00} and XXXX date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.

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 2020-05-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent to XXXX  proof of my identity like social security card and drivers license proving what my name is. I'm still getting correspondences and they are reporting the incorrect name. 

Wrong name : XXXX XXXX XXXX Correct name : 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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2020, I requested a credit line increase on my XXXX credit card from Barclays Bank through an online form. I later received notification that there had been a hard inquiry on my XXXX  Credit Report. Completing similar online forms with other issuers does not typically result in a hard inquiry on my credit report- when it will result in one, it is typically made abundantly clear by the institution ( usually through a pop-up or similar alert, or at least through highly visible text ). Attempts to resolve this with Barclays have made it clear that they will not work with me on 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 2020-05-13 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: NY

Complaint narrative:
I never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In early XXXX I applied for a new Mastercard Perks for BJs Wholesale that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my XXXX   report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the Comenity Bank and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at BJs grand opening at which their district manager gave me a gift card for the hassle ( so BJs know about this ). I got the card in early XXXX. I reached out to XXXX  by email and explained to them, who you would think would know better, that they told Comenity I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: OH

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I called Performant to ask for more information that would validate the debt is mine and detailed tax account transcripts and tax transcript. According to the notice sent there is a 30 day period from receipt of the letter. Received on XX/XX/2020 although dated XX/XX/2020. 
Spoke with XXXX XXXX # XXXX. XXXX was more interested in making sure she had collection information that would enable Performant to collect the debt instead of honoring my request to send information that I have requested. 
I requested a fax number where I could send a letter disputing the debt and the collector ignored my request and continued to state her claim that I owed the debt and how much. More interested in gathering my contact info. 
I should not have to verify information before I validate the debt is mine and the amount is correct. 
Under collection laws any acknowledgement to amounts is validation to the debt. The collector was trying to validate the debt, instead of setting it up for me to receive the information requested. 
The date of the letter is XX/XX/2020, it was received XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, someone went online to XXXX, used my login, email, and password to purchase tickets under my name for an event Titled : XXXX XXXX at the Forum in XXXX. I have reported this loan to the company that this was sourced from called XXXX. 
They have not been cooperative and are telling me I am responsible for this loan even though I did not open this loan. They mentioned going to the police department to file a report, which I did and they have not been able to do anything to help my situation. This is identity theft and would like to find out who did this. XXXX states I am responsible for a {$750.00} loan. Please contact me for further information

Company response to consumer: Closed with explanation