vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 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: CA

Complaint narrative:
I have made numerous disputes through Experian regarding the incorrect reporting by XXXX XXXX XXXX. Experian is aware that my identity was stolen, due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Experian, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Experian during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XXXX/XXXX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX Collection Agency, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XXXX/XXXX/2019. In less than a month, on XXXX/XXXX/2019XXXX XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Experian to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX   XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XXXX/XXXX/2019 and sold the account. I would like for Experian to remove XXXXXXXX XXXX XXXX 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 2019-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Do not finance with Regional Acceptance they will ruin your credit and trap you in a loan agreement where you are not able to reason trade if you are upside down this loan company is terrible.

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 2019-07-31 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: IN

Complaint narrative:
The problem lies in my SS number it is incorrect?? Fix 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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Yesterday ( XX/XX/19 ) I filed for a {$170.00} Equifax settlement. I now hear on the news that it was a fraud. I supplied them with all my personal information,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
It says that I have a late payment on my account XX/XX/2019. This account was not late and I would like the remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: OK

Complaint narrative:
I tried freezing my credit report with EXPERIAN today due to the XXXX XXXX hack. I tried online and via phone with all required personal information. Both online and on the phone, EXPERIAN will NOT ALLOW THE CREDIT FREEZE. Experian directed me to mail in all of the required personal information along with a utility bill to freeze my credit report. On top of this, it would take 10 days for this freeze to go into effect after they receive my letter. THIS IS RIDICULOUS! I was able to freeze my credit report on the XXXX  website in less than 5 minutes! 
EXPERIANs cumbersome process seems inefficient at the least. This is a nightmare for  consumers!

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It says that I have a late payment on my account XX/XX/2019. This account was not late and I would like the remark removed.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It says that I have a late payment on my account XX/XX/2019. This account was not late and I would like the remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It says that I have a late payment on my account XX/XX/2019. This account was not late and I would like the remark removed.

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I recently had my Bluebird by American Express account shut down at random. I have previously used the card with no issues. This time I have attempted to withdraw part of my XXXX $ in the account. The card declined. Then I called american express 's customer service and can only get an automated response. I am on XXXX and most of my money was on this account which I am now having witheld from me. I am afraid of the possibility of bankruptcy and this closure happened with no warning. I dont know how I will pay my bills or buy groceries now with American Express hoarding the last of my XXXX check. Please I need help recovering these funds as I have done nothing wrong. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: CA

Complaint narrative:
I have made numerous disputes through Equifax regarding the incorrect reporting by XXXX XXXX XXXX. Equifax is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Equifax, they did not do a proper investigation because if they had, they would have found out that XXXX  XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Equifax during my dispute. Still to date, XXXX  XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB onXX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Equifax to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Equifax to remove XXXX  XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
These were not my inquiries, 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 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company not once sent me a statement but called and harassed me stating they were trying to serve me papers with a company called XXXX XXXX. They have left me Voice mails wishing me luck. Before my last name was XXXX and they leave all kinds of messages in XXXX harassing me about suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize and the companies refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenitycapital/XXXX Inquiry from XX/XX/2019 Bankcard Comenitycapital/XXXX hard inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: CA

Complaint narrative:
I have made numerous disputes through Transunion regarding the incorrect reporting by XXXX XXXX XXXX. Transunion is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Transunion, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX  XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Transunion during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX  XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Transunion to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40   days ) and XXXX  XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX  XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Transunion to remove XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-31 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Ran credit report and found account opened in my name that I did not open, {$66.00} on credit card and limit is {$2000.00}.

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 2019-07-31 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: CHARLES SCHWAB CORPORATION, THE
State: MA

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize and the companies refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My initial student loan with ( Sallie Mae-Navient ) started on XX/XX/XXXX. Since that time Ive struggled financially to repay this loan. Navient steered me towards forbearance options early on from XXXX. So the initial amount of the two loans were {$27000.00} and XXXX. 

In XXXX I was told that there was no more forbearance left. I asked for affordable payments based on my income. I got enrolled in a repayment plan in XXXX. However, my student loan balance had doubled. Since that time I keep having to do Repayment plans that are only increasing more debt on the loan. The repayment plan is supposed to be from XX/XX/XXXX to XX/XX/XXXX. After 10 years of payments this is ridiculous. This loan should be forgiven. I owe a little over XXXX with interest accruing every day. 
I hope something good can be done to help struggling borrowers like myself with these debt wrenching loans. I feel like I was misled regarding these payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: GA

Complaint narrative:
Equifax is the subject of this complaint : 1. Equifax was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Equifax continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4.  There is an upper tier underscored XXXX  followed by a capital XXXX in XXXX. 5. Equifax is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Equifax is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7. Equifax and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Equifax is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Equifax is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
XXXXfore Inquiry from XX/XX/2019 Bankcard XXXX/fore 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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The number that calls me nonstop for 18+ months now, sometimes up to 8 times a day!!! Is XXXX ( XXXX ) XXXX along with about 150 other numbers Ive had to continuously block as new ones call me. Portfolio Recovery is the name of this collector, and no exaggeration I have 2 separate lists of contacts named collections 1 and spam 1 both contacts have had over 100 # s added to them, which makes blocking them easier, but that is overkill!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: WI

Complaint narrative:
Upon looking at a credit report, I noticed a collection account from deville asset management. I seen there was a date from XX/XX/2016. I have not received any contact from such company explaining my rights to dispute. Also they have not been able to provide proper documentation regarding a contract between myself and deville asset. My original debt was with XXXX XXXX where I returned the vehicle too. Also XXXX XXXX failed to inform me of the 3 days change of mind clause allowing me to back out of loan in 3 days. I returned vehicle back to XXXX XXXX less than a year from sale. It was a preditory loan that would have me paying {$40000.00} more than the vehicle was worth. I have disputed the deville asset on through all 3 credit bureaus and they continue to illegally report this debt.

Company response to consumer: Closed with explanation