vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-19 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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: NV

Complaint narrative:
I submitted a dispute to Experian, XXXX and XXXX on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a 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 2020-12-19 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. Lviv funding local co resurgent capital services XXXX XXXX XXXX XXXXXXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX lack XXXX XXXX XXXX XXXX XXXX  XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX phone XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello I lost my job and couldn't pay my credit cards three months all this happened during the coronavirus period i went through a hard time I paid all my debt to chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TX

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-20 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: TX

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-20 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: TX

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: Synovus Bank
State: CT

Complaint narrative:
Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX 3/. Same as above XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX N 4/. Same as above XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX phone XXXX XXXX XXXX XXXX  XXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
It started XX/XX/2020, I woke up to see my unemployment Bank of America debit card was hacked and {$600.00} was taken from my account. I was confused on how that happened when I had the debit card In my hand and the charge was an ATM withdrawal at a XXXX XXXX. Mind you this is a Bank of America prepaid debit card. How can there be a ATM withdrawal when I have the debit card in my hand! No one has ever used any of my cards. Right away I instantly knew something was not right. Immediately I called Bank of America unemployment and they started a claim to get that money back. The representative explained I will be getting a new card, three days later I got the card and activated it. I was able to get 2 weeks of my unemployment payments with no issues. On XX/XX/2020 I got a letter from Bank of America saying the claim has been closed The date it was printed out was XX/XX/2020 one day after I called about the fraud. I call Bank of America unemployment and they said this is been a known problem and they submitted a complaint for me to have the claim re-open. On XX/XX/2020 I go to login to my Bank of America unemployment website and in red came up to call the phone number on the back of the card, After speaking with useless representatives that kept passing me around in circles and transferring me and hanging up on me no one has helped open my account. I keep getting told there is nothing that can be done. Now I have {$600.00} stolen from my account and I cant have any access to get In my account. How will I get the weekly unemployment claims if Bank of America froze my account and is blaming XXXX? This happening to so many people in XXXX XXXX I am not the only one this is happening to. We need our money! Bank of America needs to be held accountable, this is illegal!

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 monetary relief
Consumer complaint received 2020-12-20 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-20 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-20 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted the credit reporting agencies and asked that this item be removed from my credit report because this item is not mine and reporting inaccurate and there has been no progress and has not been removed I have sent in a identity thief report and it has not been removed yet and this has caused serious damage to my credit report. 
can you please have this situations taken care of 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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/2020, a debt collections record appeared on my credit report. The debt is for the amount of {$690.00} and the collection agency is EOS CCA. After investigating further it appeared that XXXX XXXX is asking for the debt to be collected. 

When I called XXXX  they said they dont have an outstanding balance for that amount in my account. I have already cancelled XXXX but I dont owe that amount. I have never been called about a debt collection for this either. 

Yet I havent been able to get anyone in XXXX to remove this debt collection from my account. This came at a horrible time as we are trying to buy a house and now my credit score went down by 50 points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: MN

Complaint narrative:
The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2020. The credit inquiry is not my credit inquiry and was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: VA

Complaint narrative:
On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My wife and I currently have an auto loan with Santander USA on a used car opened in XX/XX/XXXX. We were given an extremely high interest rate for this loan. Santander has been sued by my state of North Carolina along with 33 other states. Santander settled the lawsuit with the State Of North Carolina and all other states on XX/XX/XXXX. To this date, Santander has not cooperated with the terms of the settlement and continues to contact concerning past due balances which were caused due to the high interest loan given for which they were sued by 33 State Attorney Generals. Santander is not adhering to the terms they agreed to in the settlement. They have provided no relief at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: VA

Complaint narrative:
On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: VA

Complaint narrative:
On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to Fair Credit Reporting Act, credit reporting companies have 30 days to investigate credit file disputes by consumers. Experian has had more than 60 days. I sent in a dispute letter to Experian dated XX/XX/2020 for this item and other collection items on my credit report and its been over 60 days and Experian has not responded to my disputes on most of them. This one, however, Experian did respond stating this XXXX, XXXX, {$2500.00} medical bill has been removed. Yet, it remains on my credit report. Please have Experian permanently removed from my credit files, immediately as it has seriously hampered my ability to acquire credit to better take care of my family. Being a XXXX military veteran only adds to my challenges in fixing 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