vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
XXXX XXXX reference Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. I notify the companies that there phone numbers, address is incorrect also the information that shows on the report is incorrect. I have attached a copy of my report with the accounts in question circled. 

Please stop collection on any amount until you prove the request of the information that shows I owe the debt send Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement

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 2021-10-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under 500 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under 500 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to XXXX  and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement

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 2021-10-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
This is my sixth attempt at trying to get hep with some fraudelent inquries, I have tried talking to someone at equifax over the phone, I have tried sending in letters in the mail, I have tried submited complaint, here it is again. My issue is that I have some fraudelent inquries that I have been trying to get off my credit repoert for THREE MONTHS. I have spoken to multiple people over the phone who says to send in an identity theft report with the fraudelent inquries names and dates, and a copy of my I.D and Social Security card, I have sent in all of those documents multiple times, I with no results. So I will try something new I will upload those documents here in my ftc complaint, so they can not claim they never recieved them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
I have been receiving multiple calls a day from Enhanced Recovery Company from multiple numbers. I spoke to them today and asked that they only contact me through the mail. They refused my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, equifax and XXXX  has a public record on my credit file this according to 15 usc 1681 ( a ) these companies reporting XXXX public record which is a private matter on my credit file and i would like it completely removed. please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Accurate Background
State: VA

Complaint narrative:
My background check was submitted to XXXX by a company named accurate background checks. The went back over 11 years on the background check when they were only supposed to go back 7 years. Also they submitted an inaccurate charge on my record for reckless driving in XXXX XXXX Virginia in 2018 I have never been to XXXX XXXX Virginia. 
Below I have added my reference number for this background check from this company. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello, I have submitted a previous complaint with Equifax on XX/XX/XXXX, the complaint ID was XXXX and is incorrectly marked as closed. 

They responded saying they had mixed reports for my information and needed me to mail more information to them. 

I then sent them printed copies of all my information and sent them over with a printout of the report and still have not heard back from them. They also marked the case as closed when it was supposed to still be open. I have paid and checked my credit report and the problem still persists 53 days since I filed the first report. 

My issue with this is that the other credit bureaus, that had the same error on the credit report, we're able to correct it without needing me to send more information. I sent them all the same details and they all had the same information on me from their end. After sending Equifax the information they requested, they still have failed to contact me back on the status of this issue and when it would be resolved or failed to correct my statement when they said the case was closed. 

I don't think they realize that this false claim on my credit report is hurting my score by XXXX points. 
It is a very serious issue and I really hope it wasn't lost in the mail. Furthermore, both other credit bureaus were able to remove the false claim on my report without any question or difficulty. 

I believe that they used this response method ( that I needed to send more information ) to get out of actually fixing the error and then claim that they resolved the issue in order to get out of getting in trouble with CFPB. 

It has been well over 30 days since I filed the initial report and sent the mail of my " needed extra information '' in priority shipment. The other reports all got the false inquiry removed on XX/XX/XXXX exactly one month after submitting my complaint. 

I still can't apply for any credit or anything else that needs credit approval until this false derogatory remark gets removed. 

If you could please help me with getting this moved along and actually resolved that would be a huge blessing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I was a victim of identity theft, my children and I information was stolen and as a result fraudulent credit cards were opened without my authorization. I found out in XX/XX/XXXX when I tried applying for school and denied loans because outstanding and charged off accounts. I was assisted by a member of XXXX fraud department and instructed to file a complaint with the FTC and to get a police report from my local PD. I did as I was instructed and sent all required information to the companies of the fraudulent accounts. i have not been able to get these accounts rectified. On XX/XX/XXXX I spoke with XXXX XXXX ext XXXX ) from CitiBank fraud investigation unit, she explained that the Account ending in XXXX was deemed as fraud on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX stating that they were a debt collection agency trying to collect on this account. I explained the situation and the account was returned to XXXX Macys. On XX/XX/XXXX and XX/XX/XXXX I received a call from macys internal investigation department and spoke with XXXX. She informed me that the calls are recorded and monitored and she would review the account after verification. She reviewed the account and instructed me to file a complaint with the CFPB as well as the FTC because she saw were the account was deemed as fraud and in XXXX of XXXX the account was undeemed as fraud. This has caused me a complete hardship as well as mental anguish to be treated as a criminal and I am a 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 non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
this issue on my credit has occurred, credit card acct. # XXXX with a past due balance of XXXX dollars... i never authorized this account this is fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, I discovered all my unemployment money was fraudently transferred out of my bank of America debit card. I was left with nothing. I have XXXX money to survive on. Bank of America has not helped me at all. They are supposed to give a credit in 10 days. They haven't. They hang up, transfer calls, lie, etc. I can't get help Spoke to over 20 people. 16 hours of phone calls. On XX/XX/7000 was fraudently transferred. On XX/XX/2170 was fraudently transferred. I filed a police report, a FBI report, froze my accounts and credit, done everything I could do My life is deteriorating and I can't afford my medicine. I'm unhealthy. XXXX. Had a XXXX. Please help.

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 2021-10-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned XXXX XXXX  XXXX is a new account and I have to fix this problem. There are accounts listed on my credit report that just popped up under National credit System collecting for a company called XXXX XXXX XXXX for {$7100.00} and XXXX XXXX XXXX {$6200.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX account number XXXX and XXXX I was not familiar with these accounts and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. National credit System then removed the debt and placed it back after a month. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXX  XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice. TYPE OF ISSUE Didn't receive notice of right to dispute want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publish this description after the CFPB has taken these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CA

Complaint narrative:
On XX/XX/XXXX,, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation