vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now. Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from XXXX XXXX XXXX in direct violation of the FCRA.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now. Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from XXXX XXXX XXXX in direct violation of the FCRA.

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 2020-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Our grandmother passed away in XXXX, and my husband rented a mini ban to transport our family members to the funeral, then an XXXX  truck to clear her apartment. He opted out the collision waiver, since it was included in our Citi Double Cash Card, per its brochure in XX/XX/XXXX and a benefits update e-mail in XX/XX/XXXX. 

Both rentals were vandalized and damaged, and XXXX and XXXX charged us for the damage. I called the benefits department on XX/XX/XXXX, and was told they removed the collision waiver on XX/XX/XXXX. We were never notified about the change, so I asked to speak to her supervisor, but after the representative put me on hold for twice, I was told the supervisor was not there. 

I called customer service twice to file a complaint, but nobody contacted me. I sent a letter to them on XX/XX/XXXX, asking them to reverse these charges from rental companies, but never heard from them.

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 2020-02-05 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: UT

Complaint narrative:
Affirm # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.

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 2020-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Last year I attempted to refinance my wife 's student loan through Citizen 's Bank after receiving a letter from them. The events that followed were quite disgusting and resulted in a CFPB complaint in which Citizens Bank admitted full guilt of placing my wife and myself into a program they were AWARE WE WERE NOT qualified for. They did this just to get us the advertised rate and to attempt to AVOID a CFPB complaint. My wife and I were over-qualified for the advertised rate - but unable to get that rate when applying over the phone. After Citizens Bank put us into a program we didn't qualify for ( without us being aware of this ) to get us the advertised rate - we were approved. When I received the approval letter there were some " blanket statements '' that nobody ( including people in the Office of the Chairman ) were able to explain - specifically charges that I might incur after accepting the loan. That when I decided to submit a CFPB complaint against Citizens Bank last year - which ultimately led to a TOTAL REVEAL AND ADMISSION OF GUILT in their response that they wanted to avoid a complaint to begin with and knew during the underwriting process that they were signing us up for a loan we did not qualify for. At that point I contacted XXXX XXXX and got the rate that Citizens Bank advertised to me - without a problem. To this day, I've been struggling with Citizens Bank to remove the hard inquiry from my XXXX. They've said they have submitted paperwork to remove it, but I've contacted XXXX and they've informed me that they have not received anything. I've been in constant contact with XXXX ( Office of the Chairman ) XXXX since shortly after the original credit hard inquiry on XX/XX/2019. At this point, the inquiry is still on my credit and is one of the only things tarnishing it. It should be REMOVED DUE TO FRAUDULENT BANKING ACTIVITIES which has already been PROVEN IN THE PREVIOUS CFPB COMPLAINT. Yet, Citizens Bank at this time has stopped cooperating and communicating with me. This is my last official attempt prior to civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX is on my Transunion Credit Report. The collection agency stated the account is from XXXX in Georgia. The account was created in Georgia at a address in Georgia in XX/XX/2014. The statute of limitations on accounts in Georgia is 4 years unless it is a mortgage it is typically 6 years. I have disputed this account several times with Transunion to no success, because they state XXXX states the account is accurate. I contacted both XXXX XXXX XXXX today and afterwards XXXX XXXX XXXX  at the XXXX Corporate Headquarters. XXXX attempted to negotiate balance of {$190.00} however they have it reported inaccurately on my Transunion credit report as {$190.00}. XXXX Representative, XXXX offered a settlement of {$120.00} and I refused because she couldn't give me a breakdown of the fees and I don't even remember the address in Georgia, because the account is so old, but I did live in Georgia in XX/XX/XXXX. I hung up and called XXXX back and spoke with a rep, XXXX asking why is the account on my credit report if the statute of limitations for a residential utility bill in Georgia is 4 years. The rep stated that XXXX put the account in dispute for XXXX to further review. I called XXXX Corporate  and because the account is so old and written off nobody could tell me what I owed. Per the rep at XXXX my account was sold to XXXX and they were not able to give me a breakdown only saying that he heard the statue of limitations in Georgia for debt is 4 years and 6 years for mortgage loans. I called Transunion and the re gave me a hard time telling me that on any account with Transunion the statute of limitations on every account is 7 years. I told him he was giving false information because the statute of limitations vary from state to state in which the account was created. I told the rep if he ever said such information to a California consumer Transunion would be sued because I know that they are strict on credit bureaus giving false information to their consumers. I asked for a supervisor because of the rep providing me with false information and the supervisor took over my call. Per the Transunion supervisor he would dispute it again but this time in reference to statute of limitations. I am not being treated fairly by Transunion when it comes to making sure items are removed accordingly and that my credit report remains accurate.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had made several attempts to write to Experian, XXXX, XXXX  also XXXX  XXXX XXXX. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

XXXX  XXXX XXXX Account # XXXX Bal {$5300.00} XXXX XXXX BAL {$890.00}

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 2020-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I started an investigation on a few errors on my report starting XX/XX/2019. The first initial letter asking the credit reporting agency ( Equifax ) to verify some accounts and the status of those accounts. Equifax responded that the items and information that was disputed was indeed verified. On XX/XX/2019 I sent a second letter responding to the letter asking for the method of verification and all parties they communicated with as part of the investigation. On XXXX XXXX they responded again stating these items were verified. They completely ignored the method of verification letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: RI

Complaint narrative:
Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX  XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Difficulty in communication with credit reporting agencies by telephone or online.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: SC

Complaint narrative:
A credit card was open with discover with someone trying to use my name. the name on the card is XXXX XXXX. I always go by XXXX XXXX XXXX XXXX. XXXX refuse to take this card of my credit file. The card was removed from my credit file in XX/XX/XXXX-XX/XX/XXXX. then suddenly appeared inXX/XX/XXXX. This card was open while I was in the hospital battling XXXX. I have spoken to Discover but they play games and give me the run around. The card was open online. plese have them remove this card from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital One about a company ( XXXX XXXX  ) out of California. I purchased an automotive product from them for {$1100.00} on XX/XX/XXXX. They said Id have my product by two weeks from that date. I never got my product and the company never called me or emailed me. I looked into the company and found that the company was actually under investigation by the California D.As office for doing this to multiple customers https : XXXXXXXX XXXX XXXX At that point I knew there was trouble and I should contact my credit card company. InXX/XX/2019 I called Capital One and in great detail explained the situation and told them the company is under investigation. I fraud investigation was started and a few days later the charge was off of my card. A few days after Capital One contactes the XXXX company they suddenly decided to rush the product out to me. 4 months after my purchase mind you. I then contacted Capital Ones fraud team and asked what I should do with this product. I was told to email the company and to ask them to provide return shipping so that I cant send it back and that if they didnt, I was to leave the product there until they sent return shipping. I emailed XXXX and never got a response. So the product with Capital Ones knowledge has been sitting in my garage since. To my surprise on XX/XX/XXXX they ( Capital One ) reinstated the charge without contacting me. I called them today XX/XX/XXXX and spoke to XXXX employee number XXXX XXXX Fl call center about the charge. She started that they had sent me a letter that I was to respond to regarding more information. Which I never received and told her I didnt. She stated that because the XXXX company challenged their findings. They simply took their side and recharged me the {$1100.00} and that I was stuck with the charge. So now I have {$1100.00} worth of product I no longer need or want from an OBVIOUSLY shady company sitting in my garage and a large charge on my Master Card. She refused to do anything to help. I told her Id be filing a complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: French Financial, Inc.
State: TX

Complaint narrative:
XXXX Cease and Desist letter was mailed to Guarantee Loan Service informing I would not be able to continue payment due to a financial  hardship. 

XXXX Guarantee Loan representative called my home requesting payment Early XXXX XXXX Guarantee Loan went to my neighbor 's house at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to let her know I owed them money. They also requested she give them a call to let them know that I am at home. Since then, XXXX XXXX has been calling my neighbor repeatedly regarding MY debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: RI

Complaint narrative:
Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX  XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.

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 2020-02-05 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: RI

Complaint narrative:
Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: UT

Complaint narrative:
Fair Collections & Outsourcing # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.

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 2020-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had made several attempts to write to XXXX, XXXX, XXXX  also Bank of America. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

Bank Of America Account # XXXX Bal {$5300.00} XXXX XXXX  BAL {$890.00}

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had made several attempts to write to XXXX, Equifax, XXXX  also XXXX  XXXX XXXX. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

XXXX  XXXX XXXX Account # XXXX Bal {$5300.00} XXXX XXXX  BAL {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: UT

Complaint narrative:
XXXX XXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: UT

Complaint narrative:
XXXX XXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.

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 2020-02-05 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: UT

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.

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 2020-02-05 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: AL

Complaint narrative:
I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT

Company response to consumer: Closed with explanation