vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a Discover Card that was closed apparently Discover wanted me to submit some documentation to them about a secured account that I opened up and I never received notification so they took it upon themselves to close the account and send me back my deposit this was XX/XX/XXXX we are now going into XX/XX/XXXX since then each and every time regardless of my credit score I try to apply for a Discover card iamb declined for the following reasons status of existing/prior discover card account what is this mess? I could understand if I had a charge back with Discover I could understand if I was late I can understand if I owe Discover money none of those things fall in line I believe this is a bogus frivolous excuse to decline people for credit putting them on a blacklist and blackballing them when I speak to discover staff They have no Idea why Im still on the blacklist. Of course the company is not going to refer to themselves as having one but they clearly do because multiple countless times I have been denied creditFor the most frivolous ridiculous reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.

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 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.

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 2020-11-27 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 have disputed this items several times. They are unable to provide me with my signature, pay history, and ID that was used. 
This is a collection agency XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX/XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, SYNCB/PAYPAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I leased a XXXX XXXX XXXX with GM Financial in XX/XX/XXXX0f XX/XX/XXXX. The account number was XXXX. Not even ( 2 ) weeks later XXXX XXXX, swapped out the vehicle on that lease for a new XXXX XXXX because the original was a lemon. The new account number is XXXX. From the time that I signed the lease paperwork for the 2nd XXXX XXXX  up until XX/XX/XXXX, I made ( 5 ) payments. Then all of the sudden GM Financial had issues with something that XXXX XXXX did or did not do. GM Financial obtained my XXXX XXXX credit report by pulling a hard inquiry without my OK on XX/XX/XXXX. That inquiry is still there. They seemed to have fixed the issue with the ( 2 ) accounts. But NOW THEY ARE SAYING THAT I HAVE A PAYMENT DUE on XX/XX/XXXX. I am PAID ON MY ACCOUNT UNTIL XX/XX/XXXX. As stated above, I made ( 5 ) payments! GM Financial needs to find the 5th payment, because they got my money, and apply it to my account BEFORE the account shows as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of Equifax Data breach. I demand to remove Asap those Accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: FL

Complaint narrative:
I the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XXXX/XXXX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of XX/XX/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.

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 2020-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied for a loan with with XXXX XXXX Personal Loans. They ran a credit check and I was denied. The feedback they provided is, 'APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT. ' The denial email indicated I could call Equifax. I did. The first time the call took 14 minutes and while researching my information the representative disconnected.

The second time the call took 34 minutes. The representative was able to confirm the issue is my physical address. I moved to my current residence at the beginning of XX/XX/XXXX and immediately updated my employer, bank, investment company, and changed my drivers license, wrote a letter to my recently paid off loan institution ( car loan through XXXX ), all credit card companies ( 4 of them ) as well as all other important services. 

While on this 34 minute call I asked to speak with a supervisor. The representative was unable to connect me with her supervisor and was combative and repetitive with no interest in problem solving. While on with her I opened a chat with my bank XXXX XXXX XXXX and was able to confirm they have had my address correct but they couldn't provide a date they would have notified credit agencies. 

I am a bit at a loss. I do not feel it is my job to notify a credit agency of my legal address - this is the kind of verification they are responsible for keeping accurate records of. They offered me only fax or physical mail ( with a 3 day to multi week timeline on updating my address ). In these uncertain times that is both out of date and unsecure and well as inexcusably inexpedient. 

I will be working with a lawyer to assemble a packet of documentation which in no uncertain terms clarify my address and will be physically mailing it to Equifax. Welcome to XXXX. 

I will be collecting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Left note with creditor that information given was incorrect. They are pursuing a debt in excess of the medical debt that was previously owed, and had not sent written declaration of intent to pursue debt. Also, have received a medical bill from XXXX XXXX that said I have until XX/XX/XXXX to pay. 

Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Once more calling in pursuit to the debt, no correction of debt amount or written notice acquired yet. Under the California State Rosenthal Fair Debt Collection Practices Act AND the United States Federal Fair Debt Collection Practices Act, " Collectors may not contact you before XXXX XXXX or after XXXX XXXX '' Looking up reviews from other people about Rash Curtis & Associates reveals this is a common practice from this company.

Telephone call from Rash Curtis & Associates ( Restricted Number ) on XX/XX/2020 @ XXXX Once more calling to pursue the debt, less than one hour after previous call. This falls under the repeated phone call abuse and harassment. Again, another common tactic applied by Rash Curtis & Associates in attempts to collect debts.

The company Rash Curtis & Associates has been under numerous lawsuits for these tactics as they are blatantly ignoring the law in an attempt to collect debts, even when the facts of the debt are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX Data breach. I demand to remove Asap those Accounts or I will file a litigation.

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 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX  Data breach. I demand to remove Asap those Accounts or I will file a litigation.

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC
State: CT

Complaint narrative:
The company has removed the debt and replaced the debt with new more recent dates as to never have the debt removed from my credit after so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account right after the text and sure enough, there was an unauthorized money transfer. The person who hacked my account changed my chase credit card which is my preferred method of payment to my XXXX XXXX XXXX card to transfer himself the money. I reported the fraudulent activity & unauthorized transaction to PayPal right away. A case was opened, however, PayPal kept stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two never seen before credit cards XXXX XXXX & XXXX XXXX XXXX were also added to my account, still PayPal refuses to help me with this fraud. I have been a PayPal customer for 15+ years and PayPal has failed to help me with this matter. I filed a complaint with my bank plus processed a stop payment on the money transfer even though the money had already been deducted from my bank account. At this point, PayPal was no longer of help and has declined and closed my case three times and I had exhausted my appeals. Instead of PayPal performing a more deeply investigation they kept saying the transfer appeared to had come from me. I was stressing out all this time so decided to report this with your agency and hope you can step in and get to the bottom of this fraud. PayPal has now locked my PayPal account because a stop payment was issued. I have reported my bad experience to the PayPal Manger email address ; XXXX XXXX XXXX and also to the president and CEO of PayPal XXXX XXXX ; XXXX with NO luck. PayPal refuses to help customers during a serious fraud like this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 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: TX

Complaint narrative:
I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Here 's the history of my saga with Bank of America : XXXX  of XXXX - I don't have the exact date. 
I notified B of A credit card fraud department after seeing it in my credit report that I had a claim against me. I assumed it would get resolved much like it did with XXXX credit card with the same identity theft. Both credit cards were obtained using an old mailing address and not obtained by me. 

Early this year - I received a summons and complaint form Bank of America to appear dated XX/XX/XXXX. 

On XX/XX/XXXX after numerous attempts to get someone who understood my situation, I got hold of XXXX at the fraud dept. I explained that I never heard back about my claim until I received the summons. They provided me with a case ID number XXXX. 

On XX/XX/XXXX I finally received a letter from B of A requesting for back up materials. 

On XX/XX/XXXX I faxed all the requested documents. 

More documents were requested on a letter dated XX/XX/XXXX. I mailed those documents on XX/XX/XXXX through the US postal service. 

On XX/XX/XXXX I called and spoke with XXXX, since I still hadn't heard back. 
XXXX informed me that my case was closed and declined on XX/XX/XXXX. He kindly re-opened the case for me and asked that I fax over all the materials again. 

I received a letter dated on XX/XX/XXXX with another decline. 

On XX/XX/XXXX I made numerous calls to get connected to a supervisor. I was told by XXXX that I needed to prove that the money advanced from the credit card into a B of A checking account under my name, was not my account. XXXX said I would need to contact B of A to file a separate claim, which I did. 

I received a letter dated XX/XX/XXXX from B of A checking to send backup information to the claim. On XX/XX/XXXX information was mailed to B of A checking. 

I received a letter from B of A checking dated XX/XX/XXXX acknowledging that I wasn't the person responsible for opening the account and they would notify the credit bureau and internal departments to stop the collection effort and remove this stain form my credit history. 

On XX/XX/XXXX I spoke with XXXX XXXX at B of A credit card. He asked me to fax over the letter from B of A checking to XXXX XXXX at Bank of America Credit Crd. 

Dated XX/XX/XXXX I received a letter from B of A credit card being denied again.

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 2020-11-27 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:
On Friday, XX/XX/2020, I received in the U.S. mail my " Free '' annual copy of my " TransUnion '' credit report. 
On " Page 1 of 15 '' under the " Adverse Account '' section, if incorrectly states that I have a " Collection Agency '' debt for $ XXXX from " XXXX XXXX  '' for " Cable/Cellular. '' This so-called " XXXX Debt '' is NOT mine because I do NOT even own a " T.V. '' and I do NOT own a " Cellular '' phone.

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 2020-11-27 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: GA

Complaint narrative:
I sent Equifax and XXXX  a dispute letter on XX/XX/2020 regarding XXXX accounts on my credit report. Today is XX/XX/2020 and I have yet to hear a response to the investigation. Under federal law, they have thirty 30 days to complete their investigation and it has been well over 30 days. According to the FCRA, a credit bureau is required to respond within 30. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/20 I was notified that a credit card was attempted to be opened under my name at 2 stores. I did not do this - this was fraudulent attempt. The stores were Kohls and XXXX. I called and told someone that it was not me at each store. 

Today, I recieved a letter about an attempt by someone to open a XXXX credit card under my name. This was also not me and was fraud. I tried to call the store but they are closed due to it being a holiday observance ( black friday ) XXXX/XXXX/20. 


Please help. I did not attempt to open any of these 3 cards. I am worried that more is happening with my identity and credit that I don't know about because of this also.

Company response to consumer: Closed with non-monetary relief