vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX AND XXXX ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND XXXX HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXXTHE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXXKEEPS BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY XXXX AND EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent XXXX an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from XXXX  regarding the bankruptcies listed on my report. 

XXXX response : Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. Public record items from courts that XXXX may have obtained through a third party vendor, 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
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
A new compliant in response to CFPB Compliant # XXXX to the response from Professional Collection Service Inc ( GA ) on XX/XX/XXXX. I never received any correspondence from you in XXXX via-mail which you claimed you provided me a 30 day validation notice which provides me the legal right to dispute a debt that is not mines. 

Secondly you are a debt collections or third party vendor who is trying to collect money from me illegally without a contract ever being established with your company. According to the FDPA states that without a contract I don't owe your company any money Legally.Which is a complete violation of the FCRA section 609 because you are reporting inaccurate information onto my credit report as an illegal company that I have not established a contract with and that is a defamation to my character as a consumer. 

Also in the previous response you stated that you were sending me validations of the alleged debt of XXXX. Please be advised that according to the FDPA BILL STATEMENTS or Receipts are not Legal Debt verifications and you must provide me with documentation or a contract with my signature to make it a legitmate debt that I owe. Also by HIPPA Standards you are not suppose to have any access to my medical records

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
From XXXX XXXX : I have dispute with Santandar Consumer USA. I bought a vehicle and the loan was from Santandar. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I received a letter from HSBC with promotion to open an Advanced Checking account and to maintain {$10000.00} for 3 months to obtain {$370.00}. I have maintained that balance for 6 months and still have not received any welcome bonus. I have tried calling the customer service several times but it has been unhelpful so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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 am a victim of identity theft.

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 2019-08-15 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: CA

Complaint narrative:
XXXX AND EXPERIAN ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND 72 HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXX.THE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXX BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY EXPERIAN AND 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 non-monetary relief
Consumer complaint received 2019-08-15 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:
XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

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 2019-08-15 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: NY

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: NY

Complaint narrative:
I am a victim of identity theft.

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 2019-08-15 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: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
Pursuant to complaint XXXX, Lakeview ( XXXX ) the company assured me on XX/XX/XXXX that my payment history has been corrected and the late payments will be removed from my credit report. As ofXX/XX/XXXX, my credit score shows that the account is no longer delinquent and is current however the reported late payments were never removed from the credit report. I am not sure if the account is current due to the extra payment I reluctantly made to make the account current or if the original problem was actually corrected. After the initial drop of 110 points in my credit score, the newest update has only increased it by 50 and still shows 2 late payments but it should show zero late payments if the company corrected it properly.

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 2019-08-15 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: IN

Complaint narrative:
I am trying to process a temporary lift of my credit freeze at https :   //www.experian.com/freeze/center.html Experian 's online system to lift a credit freeze is unreliable. I have had multiple problems in the past. The most recent issue is on XX/XX/2019. 

The only solution that Experian offers is to have the consumer mail their social security number along with a lot of verifying information. The 'promise ' is a three day turn-around. This is simply unacceptable when trying to unlock credit for employment background checks as well as for consumer credit. 

In my opinion, Experian should be investigated by the Consumer Protection Bureau if they can not provide a reliable service. 

Something needs to be done to require Experian to provide a reliable service.

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 2019-08-15 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Soon after I started building credit I got a hard inquiry from SYNCB ( XXXX XXXX XXXX ). It occurred on XX/XX/2019. It shows on both my XXXX and XXXX. I dont remember signing up for anything or requesting anything to cause this hard inquiry.

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 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
An agency claiming to be conducting debt collection services on behalf of Continental Finance Credit Card has been contacting numerous third parties about a debt they claim I owe. The name they present themselves as is XXXX / XXXX XXXX XXXX. They contacted my employer and asked if I could be served court ordered docs. at work. Theyve spoken to 3 different parties at my job and most recently theyve started reaching out to Family / Relatives. I contacted them directly and asked for the information about the debt they were attempting to collect, I requested to be given time to review my Credit Report in order to confirm whether or not this debt was my responsibility of if it was on my report and I also requested not to be contacted at work. They confirmed my SS # and then proceeded to tell me that I would be served with a court order at work if I did not resolve / pay off the delinquent account. I made numerous attempts to obtain an address but they wouldnt provide me that information. I called back repeatedly since they hung up on me when I continued to ask for an address & for more details about their identity / the company. My request for information was met with threats about being served at work and I was told to pay my bills and then I wouldnt have to worry about the calls. 

Their contact Number is XXXX ( XXXX ) XXXX The Main Lead / Representative ( person that contacted all of the ppl at my job & my relatives / person managing the case ) is XXXX XXXX. She claims to have a direct number, XXXX XXXX XXXX XXXX XXXX. 
These ppl claim to be doing business on behalf of Continental Finance, a credit card company that issues three main types of CCs ( under XXXX, Matrix or XXXX  ). 

At this point, no written information / supporting documentation has been mailed to me even though I inquired about receiving actual written documentation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX  is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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:
Experian has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. Experian is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: WA

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

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 2019-08-15 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: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

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 2019-08-15 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: MD

Complaint narrative:
From XXXX XXXX : I have dispute with XXXX XXXX XXXX. I bought a vehicle and the loan was from XXXX. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.

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