vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attatched Equifax letter XX/XX/2020 states : ( WE WERE UNABLE TO LOCATE A CREDIT FILE IN OUR DATABASE WITH IDENTIFICATION YOU PROVIDED )??? 
What happens to a XXXX year old womens credit history? WHY HAS MY INFORMATION BEEN DELETED FROM EQUIFAX FILES? 
see attatched PO proof delivery XX/XX/2020 I SENT ALL THIS INFORMATION TO EQUIFAX. AND NEVER HEARD ANY FOLLOW UP WHY THIS WOULD HAPPEN? I HAVE ASKED FOR A STATUS OF MY ACCOUNT NUMEROUS TIMES TO NO AVAIL. WHY DID MY DATA OF ( XXXX ) years DISAPPEAR IN YOUR DATABASE.???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a Bankruptcy Chapter XXXX listed on my XXXX, Trans Union and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

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 2020-04-05 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: TX

Complaint narrative:
I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to XXXX XXXX, XXXX  and XXXX. I contacted all three credit agencies about the fraudulent inquiries being reported to my credit report. Starting with the SYNCB Walmart National Credit Card Airlines inquiry on XX/XX/XXXX and another company called XXXX/XXXX  XXXX on XX/XX/XXXX on the exact same date. I thought it was removed after my first complaint until my credit alert informed me of more improper credit inquires from unknown sources with XXXX in XX/XX/XXXX, Credit Info located in XXXX XXXX, Il. on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. This is when I added the fraud alert again for these inquires in XXXX of XXXX with FTC. These companies are continuing to report on my credit report with XXXX XXXX, XXXX  and XXXX even after my numerous complaints. These inquires are incorrect and are not mine and are continuing to report on my credit report. I want all of these fraudulent inquiries removed from my 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 non-monetary relief
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have called and sent in many letters in regards to the records management systems in order to get clarity on my record with XXXX but to no avail i need help in order to fix the many erroneous errors on my reports. 

The erroneous errors found on my report are actually violations under the fair credit reporting act and i have attached them to this complaint to the cfpb not only for a resolution but to bring closure before i bring my attorney in for restitution and court costs for 20 years of sending letters and calls in regards to my credit. 

I have found ten ( 10 ) Violations on my credit report under the fair credit reporting act and the fair debt collections practices acts. My payment history is thirty-five percent of my credit score and this is not shown or reflected in the monthly payment legend on each account in my file. 

Under section 611 ( a ) ( 2 ) and section 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, Electronic Funds Transactions Acts by which i demand accuracy in my credit record. The fair debt collections practices act of time barred debt is what i am disputing under section 1681 ( c ) as well as section 609 of the actual contract and record with a signed signature. 

I have pulled my credit report from XXXX XXXX and i have made changes with ink on my report along with the changes in ink with the law that i am disputing on each account with the sections and the law for a complete understanding by which i am disputing in order to correct the erroneously errors completely that i have submitted to my attorney. 

I have attached pages 1/30-12/30 of my credit report so that you can see the errors on the report by the law of the FTC. I also dont want them to use e-Oscar on the investigations of my disputes so that if in thirty days they dont respond i want the account deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-04-05 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
1. On approximately XX/XX/XXXX, Complainant leased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 
2. Payment amount of {$610.00}, per month. 
3. Complainant, paid Americcredit/GM Finanacial, in a timely manner from XX/XX/XXXX - XX/XX/2020. 
4. On XX/XX/XXXX, Complainant hand delivered a car buy out Casher 's Check in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX Cents ( {$20000.00} ), to XXXX XXXX XXXX. 
5. On about the XXXX day of XX/XX/XXXX, Americcredit/GM Finanacial, reported Complainant 's account as delinquent, and XXXX, without prior notice or any type of due process or equal protection, immediately penalized Complainant with a ninety-one point ( 91 ) deduction from his credit score. 
6. On about XX/XX/XXXX, XXXX  stated that its investigation was now complete. If it was able to make changes to the credit report provided, it has done so. Otherwise we have contacted the company reporting the information you disputed, supplied them the documents you gave us with your dispute, and instructed them to review all information we provided them about your dispute ; information provide us a response to your dispute and update their records and systems as necessary. 
7.Complainant 's credit report, still remains past due thirty ( 30 ) days and listed as delinquent ; still has a ninety-one ( 91 ) point deduction. 
8. Complainant states that this started with XXXX, penalizing him based upon allegations of Americcredit/GM Finanacial, without due process and equal protection of the law. 
9. Now XXXX  telling the Complainant that, its up to the Offensive Party Americcredit/GM Financial to due the right thing. When they both are working hand in hand, to deny the Complainant his due process and equal protection of the law, by penalizing him outside the frame work of those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 my Wells Fargo business account was stolen and used without my permission. I reported the fraud and filed a police report on the matter. I contacted Wells Fargo and they credited back the amount at first. After investigation by Wells Fargo they charged/reversed the credit on my account the amount I reported as fraud. They said that since the PIN # was used they didnt find it as fraud. It 100 % is fraud and I never gave anyone permission to use my account and NO one knows my PIN #. I have no idea how someone obtained my PIN # and I have it nowhere written down. Wells Fargo is NOT helping me out as a customer that has been a victim of FRAUD

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 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pacific Collections
State: NV

Complaint narrative:
Firstly I never received any invoice or notice to my new address after repeatedly asking them to post or email me the notice so I could see what I had to pay for. We were initially on a plan ( which was above what I could afford ) which I requested that they do not withdraw the Money without me first contacting them to ensure that I had the funds available, they ignored my request and continued to take the money out without any notice. I had to change my bank details as they overdrew my account. 
Because I had not received any notice I could not call them to dispute this with them. After moving to my new place I started to receive calls very early in the morning every single day threatening me that they were going to black list me and ruin my credit. I told them that I could not pay any more money until I received a notice, also that I would pay it once I was able to find employment. After constant threats I ended up paying them money. 
The first transaction was on XX/XX/XXXX {$90.00}, the second was XX/XX/XXXX {$90.00} which was the transaction that overdrew my account. 
Then in XX/XX/XXXX I agreed to pay {$300.00} because they threatened to destroy my credit and they increased the mount owed which I still don't even know why as they have not sent me any invoices. and then I agreed to pay {$100.00} on XX/XX/XXXX the next two weeks to finalize the debt and to be done with them. 

However they have continued to charge my account again this week on the XX/XX/XXXX another {$91.00} They should not be taking Money from my account,. 

The name of the company is Pacific Collections XXXX XXXX and the name of the person I felt with is XXXX XXXX, his number is XXXX XXXX the only way that even have these details is because of my bank statements, as I have not received a notice and now I am worried that I paid a scam company. The name that appears on my statement is XXXX XXXX XXXX XXXX XXXX XXXX. I called them multiple times and left a voicemail but I would like to file a complaint as they have caused me an incredible amount of stress and anxiety. I will push for legal action.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I just learned on XX/XX/2020 that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Just received another alert that XXXX put this account back on my credit report. This time, through a collection agency. I've told them repeatedly that this wasn't my account, have provided police reports, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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:
Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as XXXX has my mother 's name in place of my name and for allis have my correct name in place of that. Also, XXXX, Equifax, and XXXX have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of XXXX and they know it. I have signed United States Postal Signatures from XXXX, Equifax and XXXX that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by Equifax because I sued them back in XX/XX/2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
A loan application was made through XXXX lenders. Which I've now learned is Fifth Third Bank National Association, XXXX Program. During an internet search I'd found information leading me to your agency. It referenced a lawsuit being filed on behalf of consumers against Fifth Third Bank for hostile lending practices. Case : 1:20-cv-01683 Filed : XX/XX/XXXX. On or about late XXXX early XX/XX/XXXX I'd contacted XXXX  XXXX  XXXX, NY for replacement windows. During the initial meeting and rough measure, the salesman did an application for credit. It been a couple of months and I started to be billed by XXXX. I contacted them and asked why I was receiving billing statements? XXXX of XXXX hadn't even done the final measure on my windows. XXXX assured me this wasn't uncommon and I didn't want a record of late payments. So, I agreed to make the first few payments in good faith. This was before I learned what had happened at XXXX XXXX, NY. The entire branch in XXXX had left no one was employed for approximately two months after my initial appointment. They've are no longer an installer and are now service only. I never received windows nor do I want them. I never authorized any transactions be made using the XXXX " Shopping Pass. Yet, XXXX continues to bill me and now send Past Due Notice. The last dated XX/XX/XXXX threatening to report me to consumer credit agencies. I've filed complaints with the XXXX  and XXXX Attorney General 's Office. XXXX refuses to acknowledge my request even though they've been informed I don't have windows. I received letter from XXXX  informing me Champion XXXX, NY is no longer an installer and is a Service Only Branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: PA

Complaint narrative:
Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2020-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2019 - 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
My concerns are : The loan was declined in spite of my Exceptional credit rating and solid financial standing Citizen One ran a credit check, leaving a permanent mark on my record The explanation given for the decline, APPLICANT 'S IDENTITY CAN NOT BE VERIFIED is not plausible because they did run a credit check. What part of my identity do they lack when checking into my private credit information? 

What happened : I visited the XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX to buy an XXXX. I wanted to participate in the Upgrade program, for which applying for the loan or using the XXXX Credit Card ( which I did not have ) was mandatory. 

I filled out the application on the stores XXXX and hit submit at around XXXX XXXX. Within about 60 seconds, the store Associate informed me that my loan application was DECLINED. 

He then gave me a phone number to call to try and find out why the loan was declined and to try and repair the situation. I called the number and navigated the voice mail tree multiple times, being placed on lengthy holds and ultimately concluding that no one at the loan company was available to answer questions. 

When I arrived home, I found an email time-stamped XXXX XXXX that said : Thank you for your recent application ( s ) for an XXXX loan with Citizens One. After careful consideration, we are unable to approve your request for the following reason : APPLICANT 'S IDENTITY CAN NOT BE VERIFIED If you have any questions, feel free to call us anytime at XXXX. 

The next day, I found that a credit check had been run by Citizens One. If they were unable to identify me, how were they able to hit up my credit, leaving a permanent mark on my record showing their inquiry? 

In my subsequent phone call to Citizens One, the agent stated that they would investigate if I was really interested. I said I was really interested. She said they would get back to me in about a week. I have not heard back from them in the ensuing 5 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
On XX/XX/2020, I mailed ( certified mail ) a letter to Experian credit bureau inquiring about negative information reported by " US BKPT CT PA XXXX '' in the file that they maintain under my Social Security number. I challenged the inaccuracy of this information and requested that within 30 days that they provide me with copies of any documentation associated with this supposed account, bearing my signature as well as information about their method of verification. They received and signed for the letter on XX/XX/2020. They did not indicate on my credit report that this item was in dispute, still, as of XX/XX/2020. They mailed me a response stating that they " verified '' the information via XXXX XXXX. I mailed them another letter in turn on XX/XX/2020 to dispute this information. I included with the letter also a copy of a statement from XXXX XXXX declaring that I do not exist in their database as well as a copy of a letter from the clerk of courts stating that they do not verify public records to credit bureaus. This letter was received and signed for on XX/XX/2020. I received a reply from them dated XX/XX/2020, which was simply another copy of the credit report stating that the information is " verified as accurate by XXXX XXXX. '' Again, I mailed them a copy of the statement from XXXX XXXX that I do not even exist in XXXX XXXX ' database, so how can they possibly verify this supposed bankruptcy via XXXX XXXX. This is an inaccuracy in reporting and per FCRA, this information must be removed from my report immediately. In addition, they broke the law by not indicating on my consumer credit report that I am actively disputing this item. I have attached several documents for review and proof. I have attached two letters that I drafted to Experian, as well as their responses. I have attached the letter I received from XXXX XXXX. I have also attached a copy of my credit report dated XX/XX/2020 which clearly shows that they have not noted that I am disputing this item on my report. Thank you!

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