vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. W

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Yes I Was Working On My Credit Report and I ask them to show me Accurate information that i went Through with the Bankruptcy Process. and I sent All My Documents and show my proof and they, Failed To Remove it off my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. W

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 2020-05-12 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: FL

Complaint narrative:
Equifax refuses to show anything positive on my credit report. All of these companies have stated they report to all 3 agencies. 1 a month. This has been going on for a few years and they refuse to fix it. It has stopped me from getting finaced because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-05-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-05-12 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: TX

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX {$830.00} XXXX   XXXX {$300.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I paid my first minimum payment to Comenity Bank ( charge account opened thru XXXX   in XX/XX/XXXX ) in XX/XX/XXXX in the amount of {$25.00}. The next month I repeated the payment amount. In XXXX of XXXX I received a statement from Comenity stating that I still owed {$1.00} from XXXX and was charged a late fee and and underpayment fee. I have since paid them what I owed them in full but refused to pay their usury fees and now they have turned me over to collection in the amount of {$260.00} and have a huge hit to my credit score. 

They refuse to back off on the matter after several letters from me. 

I feel that their tactics are fraudulent ( I owed them $ XXXXyesd XXXX dollar ). 

I want the matter cleared from my credit report. 

I no longer have the account number and no information seems to be available from the debt collection service that Comenity uses either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NE

Complaint narrative:
In XX/XX/2020, I have pulled my annual credit report and Tek Collect is reporting still after I have requested numerous times to receive proof of debt. 

I am requesting proof of service and any and everything associated with my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
In XX/XX/2019, I unfortunately opened an account with XXXX at their store in XXXX, FL with a dishonest sales rep by the last name of XXXX. He falsely opened and set up my account, unknowingly to me as a business account. He stated I was getting services for about {$100.00} a month and a FREE XXXX. I ended up having a first bill for over {$200.00}. XXXX has sent my account to SUNRISE CREDIT SERVICES for {$520.00}. This is the SECOND debt collection agency they have sent my account to. In XX/XX/2019, a store manager said he would " fix '' the charges on my account. The service was terrible so I ended up transferring back to XXXX. I WANT THIS DEBT CLEARED OFF MY CREDIT REPORTS BECAUSE IT WAS FALSE AND DISHONEST BY A XXXX EMPLOYEE.

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 2020-05-12 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: NJ

Complaint narrative:
Report Number : XXXX Date Generated : XX/XX/2019 Our reinvestigation of the dispute ( s )  and/or other request ( s ) you recently submitted is now complete. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.

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 2020-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TriVerity, Inc.
State: IA

Complaint narrative:
We have tried to settle the debt owed for the pst week XX/XX/XXXX-XXXX 2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Around the beginning of XXXX of XXXX, I sent DMV paper work along with a Check of approx. {$360.00} to my car lien holder capital one. Capital one forwarded everything to the XXXX  DMV. I was trying to transfer my car registration to the State of XXXX. 

In XX/XX/XXXX, I decided to cancel the whole process to save myself a little money just in case I end up going back to XXXX  so I figured Id wait it out. 

End of XX/XX/XXXX, XXXX  DMV sent back all the paper work along with a refund check for the amount mentioned above back to Capital One. 

End of XX/XX/XXXX, I received the paper work from capital one but with no check. 

I have called capital one numerous and I have been getting various responses regarding the status of the check. And here is some of them : 1. The check would be mailed out to you separately. 

2. Your check has been forwarded to corporate office for processing. 

3. DMV did not send your check and all we got was whatever we sent you. 

4. Please call title services department.

5. Please call corporate office.

6. Please check with DMV because we they said they will send you the check. 


On XX/XX/XXXX. I called XXXX  DMV and they confirmed a check was issued to Capital One and the only way to issue a replacement check is if capital one sends a written request explaining that they never received the original check and DMV should issue another one. 

Capital one is not being transparent and it is a shame having my auto loan through them. 

Today XX/XX/XXXX I received a letter in the mail from capital one ... the cover page is addressed to me, meanwhile all the other pages belong to someone else. If this kind of mistake is easily made, no wonder my check is no where to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with Experian. Experian place unverified public records information for a third party for hirer company. Experian refused to remove the inaccurate information and stated that the company they received the information from said it was correct. This is a clear violation of the fair credit reporting act.

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 2020-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Received an extension from Chrysler Capital do to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.

I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: DISCOVER BANK
State: CA

Complaint narrative:
There were several unauthorized charges made on my Discover account at the end of 2019. As soon as I learned this, I instantly froze the account and contacted Discover.  They assured me that consumers are never responsible for unauthorized purchases on their accounts. Several of the charges were found to be fraudulent, so clearly the account had been hacked. However, there are three remaining charges that I am still being charged for, although I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: GA

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine COLLECTION XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2020-05-12 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$830.00} XXXX  XXXX {$300.00} XXXX   XXXX  XXXX XXXX {$1000.00} COLLECTIONS XXXX {$1900.00}

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 2020-05-12 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: TX

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$830.00} XXXX  XXXX {$300.00} XXXX   XXXX  XXXX XXXX {$1000.00} COLLECTIONS XXXX {$1900.00}

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