vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: SC

Complaint narrative:
Letter to Remove Inaccurate Credit Information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: A & O Recovery Solutions, LLC
State: FL

Complaint narrative:
Company is cci. The co has been harassing me for months. I have told co to take my number off their list and to stop calling bothering me but they haven't stopped. Cci phone number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir or Madam, I have placed a credit score freeze on Experian. I need to temporarily left the freeze. 

To do so, Experian requires a pin that was given to me by mail a long time ago, which I could not locate. 

So, now, to retrieve my pin, Experian only provides website service or auto-phone service. I have tried numerous of times to retrieve my pin as instructed by Experian. Each time, I was asked to mail my ID, social security card, and proof of address to Experian designated address. I did so accordingly by XXXX XXXX mail. 

Now, a couple months have passed, I have not received Experian 's response in mail. Again, I tried Experian website and phone number it provides to consumers/customers. All I got is the same automatic instruction to mail in the same required documents to the same address again and again. 

There are many aspects of life need my credit score be checked. Household needs, /living needs /children needs, the problem faced by Experian became such an obstacle to my life.

There seemed to have no other way to get this issue resolved. Problem persists. Life is heavily impacted without hope of seeing it be changed due to this problem. 

Experian could not hold such a position to hurt a normal people 's liberty and life needs. Thus, I'm filing this compliant after I tried all the attempts that Experian offers to consumers/customers.

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 2020-03-27 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/2020 i requested my bankruptcy to be removed from lexis Nexis they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, XXXX XXXX XXXX XXXX XXXX  to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, XXXX XXXX XXXX, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, XXXX XXXX XXXX XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the XXXX XXXX XXXX and discovered a website of XXXX, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I have a debit account with American Express ( Bluebird ) where my Social Security Check and retirement check are directly deposited. I only make 2 payments from this account, 1 ) My truck payment to XXXX and 2 ) a payment to my ex-wife. I received the following e-mail from American Express this morning at XXXX XXXX.. 
Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call Account Protection Services at XXXX. 

Thanks, The Bluebird Team I have done nothing to violate their policies. The only thing I can think is that someone has hijacked my account. I have made repeated calls to American Express with no resolution. They have blocked me completely. Last I checked there was {$460.00} in my account and I no longer have access to it. Can you please help me? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: DISCOVER BANK
State: OH

Complaint narrative:
A contracting company XXXX XXXX XXXX XXXX  XXXX ( XXXXused   going forward ) did work. They did not finish and I had already paid on XXXX, XXXX XXXX I suspended the payment that I made with Discover card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called Discover and asked about giving a cashiers check, I was told to have XXXX  write on XXXX  letterhead accepting check instead of Discover card payment by XXXX XXXX. ( a discover employee ) I did what Discover told me to do and they charged me and paid XXXX again. Discover said they received a statement from XXXX  and because of the statement from XXXX  Discover paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by Discover and that the company he uses XXXX or Discover must have the money. XX/XX/XXXX. There have been multiple phone calls to Discover and XXXX. I also sent messages to XXXX. I am being charged and XXXX was paid with the requested check. Discover stated that because of statements from XXXX  I do not have enough proof to show XXXX  was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. 
Discover Financial Services XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX XXXX, XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  XXXX XXXX {$2400.00} XXXX XXXX XXXX   {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My complaint is about the vehicle loan I received from Santander Consumer USA. 
Santander Consumer USA ( https : //myaccount.santanderconsumerusa.com/Home/SignIn ) On XX/XX/2020 I made a payment of {$520.00} to cover the month of XXXX and XXXX of 2020. I also made another payment of {$260.00} for that one to cover the month of XX/XX/2020. So why am I being billed to make a payment on XX/XX/2020 We called them on XX/XX/XXXX at XXXX XXXX XXXX. We were told that they will put in a request and that we should check later that afternoon with the website to see the changes in our bill. We did so and today XX/XX/2020 we still see that we are being charged to pay on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
I was a co signer on my husband car with XXXX that got hit andin front of our house park on the street we told them to come in pick the car but never did than XXXX of 2019 they came to get it and then sent a letter in the mail trying to sue me I called them and all they keep saying is your have contact the financial company I did that and all they keep doing is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: SC

Complaint narrative:
Letter to Remove Inaccurate Credit Information

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 2020-03-27 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: SC

Complaint narrative:
Letter to Remove Inaccurate Credit Information

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 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
I'm currently XXXX ( XX/XX/2019 ) and receiving minimal weekly benefits. I explained this to them multiple time and have tried to work out a repayment plan or deferred plan until i gain employment which is unknown due to the health issues facing the country. the collection calls have been relentlessness ( 6-10 times/day ) coupled with the threats of repossession my vehicle. These people are horrific and refuse to work out an amicable payment arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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 recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX  and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX/XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Amount {$890.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Amount {$0.00} XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TX

Complaint narrative:
I have sent three letters to Equifax about the violation of my FCRA rights. All certified mail and one of them notarized. They have responded by email that they would investigated and would respond in thirty days. They have sent out the same letter asking me to identify myself. I have included in each letter my drivers license, Social Security, and a W2 form with my address and Identification as well as the previous letters I sent. They have been doing this stall tactic since XX/XX/2020. 

I have all receipts from the Post office from the returned receipts that were stamped or signed by someone from Equifax. They have not responded within the 30 day timeframe of investigating inaccuracies on my credit report. 

They have violated my FCRA rights and haven't conducted any investigation into the erroneous inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-27 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have a credit freeze on Equifax. I need to temporarily lift it. They have put the ability to manage a freeze behind a login, and the web site gives a general error after trying to log in. I tried resetting my password and had the same issue. The site says to call a number to fix it. The number is not being answered. They also have a phone number to call to go through an automated process to manage the freeze, but after a long series of entering info, it also fails without any reason given as to why. 

In summary, they have my credit frozen but are not providing any way to unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: NY

Complaint narrative:
Im a victim of identity theft someone got my credit card information and used it when I first noticed it I called the company right away and they canceled my card and sent me a new card. They removed the negative items from my credit report and now Im receiving letters from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been trying to contact two banks for different mortgages. They are either under staffed or the call just disconnects. XXXX and Chase bank.

Company response to consumer: Closed with explanation