vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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:
THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX/XXXX XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: IL

Complaint narrative:
XXXX XXXX XXXX has recently settled in a multi state investigation about XXXX 's subprime lending practices. XXXX knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to XXXX about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this XXXX account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: IL

Complaint narrative:
XXXX XXXX XXXX has recently settled in a multi state investigation about XXXX 's subprime lending practices. XXXX knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to XXXX about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this XXXX account be deleted from my credit report immediately.

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 2020-06-30 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:
THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX XXXXXXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --

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 2020-06-30 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:
THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX  XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX  XXXX  Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-30 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: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXXXXXX XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
Dear Sir/Madam : I am a XXXX at XXXX XXXX and had transferred USD XXXX on XXXX XX/XX/2019 from my salary account through my card for my family expenses to my XXXX account number at XXXX  XXXX XXXX ( the details are attached for your ready reference in the attachment ). I received message from Remitly INC of money transferred but did not receive it in my account in XXXX. I checked with in my branch after not receiving the money in my account I called Remitly INC. Remitly told me to check with the XXXX   in XXXX and to send me a copy of my Bank statement. I have done that and send them all the documents which they asked for over the phone. 

I have send several statement to Remitly, called them but till today have not received my funds. I even made a complaint to the XXXX XXXX  XXXX XXXX which is the XXXX XXXX  XXXX XXXX and all the Banks are under the control but my funds are still not received. 

I have gone thru lots of hardship during my stay in XXXX and had to borrow money for my family expenses. 

Now Remitly does not write to me or call me or give me any updates of my funds. They are not at all bothered. 
I was on ship from XX/XX/XXXX in XXXX Lockdown and could see the Remitly INC office from the ship but I was not able to go out of the ship and complaint to them in person or recover my money. I had no salary on the ship. 

Now in this trouble time I need this money for my family. I have taken loans and have to repay and my family includes my XXXX school going children ( age XXXX and XXXX  years, my spouse, my father who is XXXX  years and my sister XXXX  years I have to take care of in XXXX. I have no money now. 

Please help me to recover my money. 

I have attached my documents for your ready reference. 

My contact details are : XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX or XXXX XXXX XXXX or + XXXX XXXX XXXX Email Id : XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
This company is calling me every day for my sister-in-laws debt. They have been told we do not speak, and my cell phone they are calling is for XXXX emergencies as I am a XXXX. I do not know how they got this number, and it is effecting my practice. 

Most recent phone calls were : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, voicemails on XXXX at XXXX XXXX etc.

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 2020-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I have disputed this account and have asked for proof in form of a signed contract with my signature and have not received anything. Flagship Credit continually reports this account to the credit reporting agencies incorrectly. I have never done business with Flagship Credit Acceptance. I have never signed any contract with Flagship Credit Acceptance but they still are reporting this account under my name. Under the FCRA the creditor is supposed to furnish proof of the debt if asked. I have asked them to send me proof and they have not. I want them to delete this account from my credit report immediately. This has hindered me from getting a house and other things.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
My issue is with Portfolio Recovery Associates, a dent collector that paid pennies on the dollar for a debt previously owned by XXXX XXXX acct # XXXX. In multiple attempts to settle this debt, Ive chatted and called with offers but their unwillingness to work with my offer of 30 % of the debt seems unreasonable. I recently spoke with an operations manager who was rude in explaining their stance. My job was suspended XX/XX/XXXX due to COVID-19, and Ive made attempts that are more than reasonable for this company. Ive made offers to settle 3 current accounts with them to no avail. It seems their statement of caring for their customers is false, as this situation has been a nightmare. Im one of the few that are likely TRYING to resolve this debt with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I purchased a new vehicle from XXXX XXXX in XXXX Louisiana in XX/XX/2019. I put XXXX down payment. I was so happy to get my wife a reliable vehicle that I overlooked a lot of details. I have struggled to make payments and have almost turned it back in several times. In hind sight I made bad decision. I saw an article about Santander and after reading, I got my contract from the car and was surprised to read a lot of the allegations Santander settled their complaints ... were done to me. I felt used/tricked/manipulated/stupid. Mostly not informed. I am still stunned to find I have a XXXX car payment for 5 yrs at 18 % interest. My signature is there but again uninformed and stupid. I can not ever remember filling out a credit application only that they ( the salesman ) was looking for me a finance company. I signed for roadside assistance, I already had with XXXX XXXX XXXX The total price I pay is XXXX I feel stupid and taken advantage of. I was given rebate of XXXX which is invisible with the high interest rate. I unknowingly signed for gap insurance, I got that with my car insurance. I purchased a appearance protection warranty like a fool. XXXX XXXX for etching XXXX I wouldn't knowingly buy that. Wheel/tire insurance for XXXX I would not knowingly buy that. There has to be a way to stop customers from being taken advantage of. I wrote santander a letter asking for some form of relief ... I received no response. I called the attorney general of louisiana and I submitted a complaint on their website. I also have a purchased warranty in addition to the new car warranty. XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : RENTAL PROPERTY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-30 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: GA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MD

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 2020-06-30 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: MD

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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