vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-08-19 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
With regard to the aforementioned Benz has inaccurately reported payments on my account for a total of 19months of my 36month lease from XXXX. 

The car I leased was shutting down on the highway from the third month of purchase. Benz refused to get me out of the lemon and as a means of protecting my credit I was forced to pay almost $ 1000 monthly until the completion of lease. During this time I have never been late, they have reported late payments on my account. I have never missed a payment, yet for over 15 months in the tenure of the lease they have not reported my payments. 

Upon the completion of the lease, instead of severing ties with Benz I opted to make a purchase of the XXXX XXXX XXXX XXXX. I was approved for a custom build and paid the necessary deposits to have this process started. I was further promised 3 months of credits given I was waiting on my build and was in good standing with my credit and other payments. 

After waiting three months I was told that the credit would not be applied and was forced to make the payments. Upon refusal to do same, the manager I dealt with maliciously reported me as delinquent thus affecting my credit score by over 100 points. Further, to add insult to injury Benz refused to sell me the car I waited for after this malicious move was made. 

My credit to date reflects a balance which has been applied twice in recent months only to be removed when I contacted Benz, their information provided has always confirmed as inaccurate contacted via phone. 

I am of the impression that this is deliberately/maliciously being done. I need this to stop for no consumer should be taken advantage of in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I received a call from a gentleman with a foreign accent informing me he was calling me to collect a debt from XXXX of which I have no clue what he is referring to. He controlled the entire conversation, and was very rude. Every time I would try and say something he would over talk me until I had enough and finally raised my voice and told him that since he wouldn't let me talk the conversation is over and I hung up. He immediately called me back asking for me for my current mailing address. Mind you I don't know who this guy is or what he is talking about and I'm not about to give out my info, the address he had was my old address. I did give him my email and he sent me a debt collection for a card totaling over $ 11K+ My credit back in XXXX didn't warrant a card with that much credit. The info of the debt collection says the current balance is {$11000.00} but would settle for a single payment {$1200.00} if payed by XX/XX/XXXX and if not payed by that date they will pursue for the full amount. Again, they are talking about a card debt I don't know anything about from 12 years ago that I haven't heard a peep about ever.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
In XXXX, I took my car into the XXXX XXXX XXXX XXXX because the car would slow down and jerk while I was driving on the highway. The guy told me it sounded like the transmission and that it was still covered under warranty. The mechanic said they could not find any problems. I took the car to the XXXX XXXX Dealership which is closer to my home because the problem continued. They too could not find a problem. Every time I took the car in for an oil change, I mentioned the slowing down and jerking problem and every time, they told me they could not find any problems. In XX/XX/XXXX I received a notice in the mail Nissan was extending the CVT warranty to 7 years or XXXX miles. I called to explain the problem was still happening, but my car was over 90,000 miles. I complained about that problem over two years ago when it was under warranty and requested Nissan to fix the problem. I was advised to take the car in for a diagnostic and ask Nissan Corporation to make an exception because my concerns were in the notes from XXXX. I had to rent a car while the diagnostic and repairs were completed. The first guy from Nissan Consumer Affairs was extremely nice and said he would let me know a decision once the car 's diagnostic was completed. I called five times and after nobody returned my call, I extended my car rental. Around XXXX that day, someone called me to say Nissan would not cover the repairs because I was over 84,000 miles. I stated to Consumer Affairs lady that it was very strange that all of a sudden once the warranty expired, now the problem is found and Nissan will not make an exception considering I have been stating the problem since XXXX. She seemed unmoved and unconcerned and said, Nissan would not cover the repairs. I had to use the warranty I purchased on my car to get the repairs. Had Nissan told me no from the beginning, I could have saved money paying for a rental and wasting my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I contacted Quicken Loans to ask questions regarding a refinance of my home. At no time did I give them permission to run a credit inquiry, we were just talking preliminary numbers and they ran a hard inquiry. I have spoken to XXXX XXXX, A Resolution Advocate since XXXX and he has assured me many times that they would have it removed since they had no permission to run it. I made contact AGAIN on XX/XX/XXXX and was told that the removal depends on how quickly the credit bureau removes the inquiry. He assured me in XXXX that it would be removed immediately. Given the fact that I never gave them permission to run a credit check on me, I feel that they should have corrected the problem immediately. I can provide a copy of all email if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX inquiry on my Equifax credit report that I dont recognize and I never applied for any products or services with XXXX I dont have a XXXX. Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by PORTFOLIO RECOVERY ASSOCIATESs actions. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. I need you to take this matter seriously, and send me a response. My email is XXXX, and my phone is XXXX XXXX XXXX XXXX. 

Accounts information : Account 1 : Portfolio RC ( original creditor : XXXX XXXX  ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$910.00}. 

Account 2 : Portfolio RC ( original creditor : XXXX XXXX XXXX ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$2000.00}. 

Portfolio Recovery XXXX, XXXX is acting against the consumers right. They are re-agins the mentioned accounts, they are reporting discrepancies across bureaus. They are being unfair and negligent. 

I have attached some documents for the company. Please send it to them. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: GA

Complaint narrative:
Retained Paysafe Merchant services on XX/XX/2020 to handle payment processing for my company. On XXXX 2020 and XX/XX/2020 my company processed 4 business transactions, on XX/XX/2020 I was informed by their Risk Department that I needed to provide 3 months bank statements, proof that the customer authorized the charges, and Invoices. I sent the documents that were requested and contacted directly Ms. XXXX XXXX Operational Risk Analyst and advised everything was fine only to be advised the next day that my account was being closed due to inconsistences which she refused to provide information on sayting she does not have to disclose the information, I then got the sales rep on the line with us and she additionally was very rude and unprofessional to her colleague as well holding the same position even after being informed that my company had checked out as well as the company banking account. I also received a called from her supervisor XXXX who was even more unprofessional and refused to put me in contact with her supervisor. Their actions as well as the company has caused my company financial harm by causing me and requiring my company to issue a refund to the client and refusing me services that were promised via agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following charged off account is reporting on my internal and external Chex Systems Consumer Report ID : XXXX, XXXX XXXX XXXX Checking Account for {$7500.00}. The account isnt my account. Its a fraudulent checking account. The checking account wasnt my account. Im not able to open up a checking account with XXXX XXXX  ( XXXX XXXX ) due to the fraudulent account listed on my internal and external Chex Systems Consumer Report. I have a current police report on file with Chex Systems in regards to me being a victim of 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 2020-08-19 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 have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all.need to be 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 non-monetary relief
Consumer complaint received 2020-08-19 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 inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They all.need to be 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 2020-08-19 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 have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all.need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. 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. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent 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 2020-08-19 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: Conn's, Inc.
State: TN

Complaint narrative:
This company has changed the follower amount they say I owe numerous amounts of time. I will attach a statement below. The company has reported incorrect amounts and yet every time Ive disputed the validity of the dollar amount the account had been verified and updated to a different amount. Enough is enough. Under federal law anything reporting inaccurately should be investigated thoroughly and deleted if inaccurate. This company has been caught trying to hold an incorrect debt on my report. Another thing, all three bureaus are reporting my high credit balances differently, the payment histories are all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I reviewed my XXXX credit report and I was completely shocked to see Bloomingdales on my credit report. I have never opened an account with Bloomingdales. Someone used my personal information to open an account in my name without my consent. 

This is a fraudulent account that needs to be deleted and removed immediately from all three major credit reporting agencies immediately. 

Bloomingdales Account # : XXXX Balance : 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 2020-08-19 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXXIve disputed many times in all agencies the 120+ days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The action that I took was I first call the credit card issuer company ( Citizens Bank ) and dispute all my charges that I didn't regonize and ask them to cancel my credit card on XX/XX/2020. The amounts is for {$7100.00} The credit card company went through one by one trasnaction and dispute the one that I didn't regonize, the person told she will mail me a new statement with the transaction that I had made and issue me a new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CA

Complaint narrative:
XXXXXXXX Ive disputed many times in all agencies the 120+ days past due

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 2020-08-19 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: CA

Complaint narrative:
XXXX/XXXX Ive disputed many times in all agencies the 120+ days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CA

Complaint narrative:
XXXX/XXXX Ive disputed many times in all agencies the 120+ days past due

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 2020-08-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed with all agencies with no responses starting 2019. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.

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