vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Tried to resolve debt 1 year ago with a lump sum payment which They didn't want to do. So we had been receiving this letters in mail with someone else 's its name. By law your not suppose to open mail that's not yours. My credit scores have been hammered this whole time and haven't received a single correspondence with my name on it..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: STATE FARM BANK, FSB
State: IL

Complaint narrative:
On XXXX XXXX XXXX XXXX XX/XX/XXXX University XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX did a unauthorized Inquiry to my credit report. the address of XXXX XXXX XXXX XXXX XXXX, Il. XXXX I have contacted XXXX fraud department, and called each company and this has not resolved anything, I've sent them letters as well.

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 2019-07-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good evening, I have disputed and sent this to the attached credit bureau and my account still hasnt been updated. Im requesting your help to have my credit report updated immediately. 

Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Unauthorized Account I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed accounts that I don't recall authorizing. I understand that you shouldn't be allowed to put any inquiry on my file unless I have authorized it. Please have these items removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court order The following accounts are related to none of the aforementioned permissible. 


XXXX XXXX ( XX/XX/XXXX ) Please remove these account above from my credit report immediately. I have enclosed a copy of my identification as proof of my identity. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XX/XX/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 2019-07-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On approximately XX/XX/XXXX I initiated a dispute through XXXX for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I disputed the transaction. I disputed the transaction via traditional mail since Equifax 's online dispute process refused to recognize me. I received a letter around XX/XX/XXXX, thirteen days after my initial dispute efforts, claiming they needed " additional information to verify my identity ''. I mailed them back the requested copy of my social security card and a copy of my lease agreement. I received another letter on XX/XX/XXXX restating the same information and asking for another copy of my social security card and proof of residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-20 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is DEPT OF ED/XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.

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 2019-07-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.

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 2019-07-20 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
i see below charges on my account. some of them were fraud. I reported those and amex paid me back. But i see one charge that was paid back. what was that? could amex provide me exact transaction and order number for that XXXX order? 

also they should explain - why they dont have any way to submit email complaints? dont they value our time and expect us to call them? Other banks allow private messages but amex doesnt. 

XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$35.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$32.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$25.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA {$35.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$25.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$32.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$35.00} AUTOPAY PAYMENT - THANK YOU XXXX2019 AUTOPAY PAYMENT - THANK YOU - {$34.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-20 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: VA

Complaint narrative:
I had sent 2 letter to Experian about Fair credit reporting Act Section 609.. the last letter was sent on XX/XX/XXXX ( certified ) and first letter was sent on XX/XX/XXXX ( certified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA N XXXX XXXX - Revolving Negative 4. XXXX XXXX Revolving Negative 5. XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX  XXXX Revolving Negative 8. XXXX. XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX   XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/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 2019-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I need XXXX to act as arbitrator in this case where the original lender and collection company evade their responsibility, thus damaging the client. Then the response of one ( Mobiloans ) and another ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2019-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: IQOR US INC
State: IL

Complaint narrative:
I did not receive a summons to appear in court to challenge or defend my self from XXXX XXXX XXXX and Allied Interstate LLC. As I understand, these entities needed to file a case and receive a court order to garnish my wages and that I am supposed to receive a summons to challenge or defend myself in court. The wage garnishment is not lawful because XXXX XXXX XXXX and Allied Interstate LLC. did not provide prior notice.These garnishments are causing financial hardship and may cause me to lose my apartment.

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 2019-07-20 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: VA

Complaint narrative:
Sent 2 letter certified with no answer .. XX/XX/XXXX and XX/XX/XXXX with the follow information about my fair credit act, section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXXXXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA XXXX XXXX XXXX - Revolving Negative 4. XXXX XXXX XXXX - XXXX Loan - Negative 5.  XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX XXXX Revolving Negative 8. XXXX   XXXX Revolving Negative 9. XXXX  XXXX, XXXX City of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  - CARD SERVICE - XX/XX/XXXX 5.  XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7.  XXXX - XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please  remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have a balance of {$1900.00} on my credit report from Credit National Systems that does not belong to me but a family member. Ive disputed this charge for 2 years. I have been receiving calls threatening to seize assist because of this debt. I asked them to provide documentation to show this debt is mine.. I received an email on XX/XX/2019 and none of my information is on the document. They continue to call with threats to make me pay this debt. I refused to pay as well as requested they remove the debt off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: VA

Complaint narrative:
Sentout3certifiedletterwithTransunion..XX/XX/XXXX,XX/XX/XXXX,andXX/XX/XXXXThisisgettingridiculouswiththecreditunionreportingXXXX.XXXXXXXXXXXXXXXXXXXXXXXX,VAXXXXTransUnionConsumerSolutionsXXXX.XXXXXXXXXXXX,PAXXXXDearCreditBureau,ImexercisingmyrightundertheFairCreditReportingAct,Section609,torequestfurtherinformationaboutitemsonmycreditreport.

LISTACCOUNTNAMESANDACCOUNTNUMBERS1.XXXXXXXXXXXX-XXXXLoan-Negative2.XXXX/XXXXXXXXRevolvingNegative3.XXXX/XXXXXXXXRevolvingNegativeInquirythatareNOTvalid1.XXXXXXXXXXXX-XX/XX/XXXX2.XXXXXXXXXXXXXX/XX/XXXXXXXX.XXXXXXXX-XX/XX/XXXX4.XXXXXXXX-XX/XX/XXXXIwishtoseetheoriginalsourcesoftheinformationreportedincluding,butnotlimitedto,theoriginalcontractorserviceagreementwithmysignature.Ifyoucantprovidemewiththisinformationwithin30-45days,pleaseremovetheaccountsimmediatelyasneitheryouragencynorIcanverifythattheyarereportedaccurately.

Sincerely,XXXXXXXXXXXXXXXXXXXXXXXXXXXX,VAXXXXSSNXXXXDOBXX/XX/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 2019-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX   Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern: While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies: 1XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b(c) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Conn's, Inc.
State: TX

Complaint narrative:
I made a purchase here in XX/XX/2019. Upon signing the paperwork, I was told I would receive payment coupons. I've called 5 times, it's the end of XXXX ( 5 months later ) and I still haven't received the payment coupons. Everyone I talk to claim there was a problem with my address, they didn't know which one to use, an employee didn't make it completed in the system. It's been one excuse after another. They managed to find my address just find to add the balance and show payments on my credit report. They managed to find the address correctly to send me mailers and letters in the mail to utilize the rest of the unused credit on the card, yet I can't get my payment coupons in the mail! 

I would like to receive monthly statements or the payment coupons they promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX AND  XX/XX/2018 - 30 DAYS LATE ... .. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Call from naivent loan servicer at XXXX XXXX  from the following phone number of XXXX. It is against the law to call after XXXX XXXX

Company response to consumer: Closed with explanation