vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: IL

Complaint narrative:
I was recently a victim of identity theft. I reached out to Experian on XX/XX/XXXX2020 and explained that I had some items that was opened in my name and I gave them the 5 accounts. 3 were from XXXX XXXX 1 was from XXXX, and the other one was XXXX XXXX. I have not opened an account with either one of these creditors nor do I know or haven't allowed anyone to open up these tradelines in my name. On XX/XX/XXXX20 I filed a police report as well as filed identity theft report on the FTC website. Along with these items someone also filed an XXXX Unemployment claim in my name when I've been employed for the past 4 years. So whoever got my identity have a great deal of information. 

Today I got an update regarding my disputes on report # XXXX investigation ID XXXX Stating that 3 out of the 2 items remained. I wasn't provided with anything proving that these accounts were mine. I'm applaud because I have never opened of these accounts and they need to be removed ASAP XXXX XXXX  XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Please see the attachments

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 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
Hello a building I stayed in 4 years ago when I left claimed I somewhat destroyed the apartment. They said they had to repaint the walls, replace the floor, replace utilities etc. Somehow of all the money I left them deposit etc. The cost was so high that after {$2000.00} was spent they still needed to get an additional {$1400.00}. I have tried to dispute this claim on XXXX. XXXX XXXX XXXX XXXX the place I was staying said they would create a dispute for the claim years ago they would get back to me with a certain email to send photos of the place in good condition etc. I never heard back from them. They never submitted evidence to me I had caused such destruction. When I try and dispute this with XXXX I simply get replies they checked the claim for accuracy and it is accurate. I have no idea what that means. How is it accurate? It was sold off to a debt collector Mutual Management and I still have no idea how they made this claim stick to my credit. I hired a lawyer for a separate property issue and I believe the firm does not think they can investigate these things once they are already on your credit report. Yet I saw a section that says that if I am not happy with XXXX  attempt to investigate this claim I can file a claim on this website. Here I am. Please advise me if I can go further with this and can always retain the services of my lawyer to help if necessary. I have no plans to try and pay a debt for damages to a property I did not create. I feel its a fraudulent attempt to get more money from a tenant who always paid on time. Thanks checking this out for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Could not contact lenders and no collective bargaining or agreement was ever made with who the current lender is and how to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Could not contact lenders and no collective bargaining or agreement was ever made with who the current lender is and how to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix 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 non-monetary relief
Consumer complaint received 2020-12-22 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: LEXISNEXIS
State: AL

Complaint narrative:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: AL

Complaint narrative:
I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.

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 2020-12-22 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: AL

Complaint narrative:
I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX, there is a unauthorized inquiry from CBNA on my XXXX 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 2020-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I needed a loan so I saw a loan company on XXXX XXXX I applied to upstart for {$35000.00} I was approved online they charged a origination fee of $ 2500+ and deposited the balance of {$32000.00} into my checking I ask for paperwork on loan interest rate was told there isnt any I was to make 60 payments at {$940.00} after 60 CV payment I would have paid $ XXXX th iui d to me is outrageous interest it's been 24 payments I still owe, $ XXXX I feel they took advantage of me with the loan interest and not emailing me any paperwork for my file I feel this is discriminatory because I'm XXXX XXXX. How can I get help with this loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CA

Complaint narrative:
On XX/XX/2020 my account was set up for auto payment and I paid the minimum balance of {$200.00} to my account. Then on XX/XX/XXXX my online account was showing that my account has still not been paid so I paid another {$300.00} because my account was now showing a late fee. Several days later I received a call from a Representative from the bank saying that my account was past due. I then told her I have now made XXXX separate payments in hopes to keep my account in good standing. After several minutes the representative said that she now sees the payments but that they were not " pushing over into my account ''. She then assured me that my account would not be listed as late and my credit would not be affected. 

In XX/XX/2020 I was notified that my credit report was now showing a 30 day late account on my credit bureau. I have tried to contact the company several times to resolve this but I have not been able to find resolution. 

I now can not attain a mortgage because of this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2020-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I took out a 39 month lease with Kia Motors Finance ( KMF ). KMF reported to the credit bureaus that the last payment I made was more than 30 days late. 

I paid off my lease and returned car to dealership where they do an inspection. A month or two later they send me the bill for any excess wear and tear and the turn in fee.

I then proceed to remind KMF that they need to apply my lease insurance and they tell me to wait for new bill. New bill comes and it is due XX/XX/XXXX - I pay the XXXX. Now I found out they reported my XXXX payment as late ... if that is the reason I am even late at all. 

KMF refuses to speak to any customer regarding credit reports.The only way to handle it is to write to KMFs mysterious internal Care department. This clandestine department can not speak to anyone on the phone - customer or KMF employee according to policy.

KMF expects the customer to send a letter via mail and hope after 30 days that the department can properly sort it out and wait for a letter back. If the customer believes their response is not factually accurate they will have to send another letter back. 

KMF has a created a circular highway of purgatory, it is just not right. Especially to a XXXX year old hard working honest young man who took his first car loan out at the age of XXXX thinking he was in good hands, who made every payment on time via auto-pay for 38 months straight, and who just wants a simple straight answer.

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 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've disputed this XXXX XXXX account on several occasions with TransUnion through XXXX XXXX. this account is inaccurate it's reported as open on TransUnion but closed on XXXX, but yet the account is in collections. the date opened is wrong as well it's reported opened on XX/XX/17 on TransUnion and reported opened XX/XX/17 on XXXX. I request that this account be removed due to the detrimental impact it has had on my credit. in addition, they reported a late payment and a past due balance of {$470.00} on a XXXX XXXX account that had been charged off. and late payment for XXXX when that account has been charged off and closed. 

on XXXX XXXX is a closed account that has been charged off but yet it has a past due balance of {$1000.00} and XXXX late payments when I've never made a payment late or at all. it also has XXXX XXXX XXXX which is a charged off the account but yet is has over XXXX late payment and a past due balance of {$470.00} as well as XXXX XXXX XXXX with a late payment which I've never made late

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 2020-12-22 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:
Transunion and XX/XX/XXXXboth refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. XX/XX/XXXX removed the bankruptcies after the first round of disputing.

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