vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 my wife and I were filling out a loan application for a new home. Every time we have tried they always just tell is we dont have enough credit. Well this time the lender asked us if we may have a freeze on our credit. We were unsure of that not even knowing you could do that. We called and we did on our Equifax reports. She was able to have hers removed. But they wanted me to send in my personal information through the mail to verify my identity. They asked me for my social security number and date of birth, then told me it didnt match their records and wouldn't help me any further. I refuse to send in my personal information through the mail when I did not place the freeze on my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a hacker .need this matter resolved so i can have my credit card back or new one sent.

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 2020-06-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made a purchase on PayPal Credit for {$110.00} back in XX/XX/2019. I cancelled the order and was issued a refund. However, my balance was not adjusted. I reached out about half a year ago and they made some changes to my account but my balance remained unchanged. Over the past half year, I've been contacting them multiple times about this issue with no resolution and now my account is 'overdue ' because of the balance and interest is accruing on that. It will soon affect my credit report and I was informed they can take up 3 months to fix this. I've already been waiting for 6 months for this to get resolved and such a wait is not acceptable.

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 monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My name is XXXX XXXX, last 4 of social is XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX, DOB is XX/XX/XXXX and I authorize the Consumer Financial Bureau to submit this complaint and act on my behalf against Equifax Information Services, LLC. On or about XX/XX/XXXX, I requested Equifax verify or delete the following accounts : XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX   Account Number XXXX I attached my proof of address, social security number, and drivers license as required Equifax sent a reply letter back stating that I did not provide sufficient identification, that letter is attached to this complaint. 

I sent another letter challenging that I did provide sufficient identification, and again provided identification. Equifax then said they were unable to locate a credit file for me. I then attached my equifax credit report to that response, and the identification required. Equifax then sent another response, more than 60 days later, stating that I did not provide sufficient Identification. I responded, attached my credit report again, and the identification, all of which is attached to this complaint. I intend to file suit in federal court if the items in this complaint are not immediately deleted for failure to verify under the Fair Credit Reporting Act upon receipt of this complaint, in damages in excess of {$75000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i apologize but I dont have exact dates but over the past 3 months Ive had issues trying to get a loan for a vehicle as well as hiring a 3rd party to repair my credit. for whatever reason Equifax has no record of my credit history yet the other 2bureaus have no problem w my report as far as providing it. both the car dealership and third party credit repair informed me that I needed to comtact equifax and find out why my report is not provided. Ive called 4 times now and been on hold for atleast 35 min ea time only to try to find out why I have no report only to be either put on hold or told there is no problem yet still when I sign on to myequifax it comes up showing I have no information at all and Im tired of being lied to and given the run around. im not able to do anything due to them not fixing this issue which there saying isnt a problem. the few times ive gotten far enough to speak to a rep they ask me wrong questions to verify my idenity. i am just curious and deserve to know exactlY whats going on. ihave disputed several issues with them and I get emails saying there resolved and to sign in to see the results. well thats a joke because it shows i disputed 7 items but they dont have any results and when i attempt to download my results it shows there are none? im thinking maybe when there system was hacked my info was taken or deleted or something. ive had credit reporting for over 40 yrs now and they have nothing to report? im XXXX and there is nothing on my report yet XXXX XXXX and XXXX altho wrong info is on my report they still atleast have me up to date on there reports and I can physically see my reports and theres no issue when I apply for credit as far as the lender being able to pull up my reports except for equifax. im done waiting on hold as they use covid 19 as there excuse as to wait times and im also done trying to understand the broken english of there reps as well as once they cant figure it out just disconnectjing me. can I file suit against them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.

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 2020-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: NH

Complaint narrative:
My husband XXXX sent a letter to the company on XX/XX/2020 with a check and letter detailing what accounts the payment of {$100.00} was to be used on. It also included a request for NO CALLS for the cell phones for me and my wife. 
To this date ( XX/XX/2020 ), the check has not been cashed and the calls are continuing. The address to which the letter was sent was verified as correct.

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 2020-06-27 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: AR

Complaint narrative:
FILE SUIT AGAINST XXXX SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE XXXX  LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: NV

Complaint narrative:
XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: LA

Complaint narrative:
XXXX-2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, and Equifax. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: Avant Credit Corporation
State: AR

Complaint narrative:
FILE SUIT AGAINST AVANTCREDIT SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE AVANTCREDIT LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX  XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - Experian Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago

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 2020-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, and XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!

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 2020-06-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Experian, XXXX, and XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!

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 2020-06-27 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION

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 2020-06-27 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MN

Complaint narrative:
On XX/XX/XXXX I received a form 1099-C from Discover Bank also Discover Card, Cancelling the debt I owed. The discharged amount became my personal income for the year XXXX and taxes were paid to the IRS per form attached. On XX/XX/XXXX I received a letter from Discover stating that I owe {$10000.00} ( Discover Card Account Ending XXXX - Same account reported on IRS Form 1099C and only account I have hold with Discover ). 

Discover is demanding full payment on my account, XXXX Account ending in XXXX ), for a debt that they cancelled, reported the IRS as being cancelled and I paid taxes. This is Tax Fraud and Consumer Fraud. I need help holding Discover and Discover Bank accountable for FRAUD. Is this happen to any person based on the amount, it will be considered a Felony. Over the years this has impacted me and my family as I was denied credit and other opportunities as Discover was reporting to the credit bureaus that I have been delinquent in paying my debt even though they issued a form 1099C for cancellation of debt. This company is committing fraud in MN, I wonder how many other people may be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX charged off a depth and resold it to " XXXX '' a depth collector after 6-7 years of being negative in the Three Major credit bureau. Then this depth was deleted and recently XXXX went ahead and reported it back as a new depth. I disputed it with Transunion because I didn't have knowledge of such depth. After the investigation, Transunion stated that they have verified it as accurate. How can TransUnion report a charged-off account as 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