vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-04-15 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:
Hello! I hope that this message finds you doing well and staying healthy. In XXXX of 2020 someone in New Jersey had my credit run at a XXXX XXXX and opened an account. I found out about it because it showed up as a hard inquiry on my Equifax credit report. I contacted both Equifax as well as XXXX XXXX. Both companies have assured me that this case has been closed and I have emails that document this. However, this hard inquiry remains present on my Equifax report. Therefore, my complaint is that even though this account has been found fraudulent, it remains on my report making my score lower than it should be. Can someone here please remove it from my report? Thank you so much! 

Additionally ( and maybe this should be filed separately ) but I also notice discrepancies between my XXXX  and Equifax accounts that I would love to have resolved. This is also evident in the differences between my two credit scores. Perhaps I can tackle both the hard inquiry issue as well as the different accounts on both Equifax and XXXX  in one go!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I had made a purchase right before COVID-19 shutdown, I was not satisfied with the item I bought. Due to the COVID I couldn't make a store return. I tried, time and time again to contact billing department, macys customer service, and returns department by phone, just to be hung up by the system every single time. There's no LIVE person to speak with, the system keeps hanging up the phone and if I don't make payments, my credit will go to XXXX! WHY SHOULD I CONTINUE TO PAY FOR SOMETHING I DON'T WANT AND CAN NOT RETURN??? There's no help online either! 

THIS IS PURE 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 2020-04-15 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: OH

Complaint narrative:
I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : XXXX XXXX XXXX/XXXX  XXXXXXXXXXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX  XXXX  # XXXX, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: OH

Complaint narrative:
I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : XXXX XXXX XXXX/XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted without delay.

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is an update for complaint number XXXX-XXXX. I just got off the phone with Capital One 360 about an email I received yesterday stating my checking account had been restricted. I was told that due to my balance being negative they closed my account and my tax return that had been deposited earlier this morning will have to be sent to me via check through the mail. I spoke to them a week ago on Friday, XX/XX/XXXX and was told my account would not be restricted until at the very earliest the XXXX and if I got my tax refund or my stimulus return before the XXXX I would be fine. Once again they did not uphold their promise.and/or gave false information. Because of this I am going to lose my residence, lose my only source of income because I can not get to my money for several days if not weeks, and my college degree because I will have no internet access. I do not have an address they can send the check to nor am I going to walk the streets with almost 2 grand in my pocket nor am I going to pay ridiculous prices and fees for a prepaid card. I do not have access to a phone so I can not open a new account with them and the local banks are closed and require money to open a new account and I can not do that because I do not have access to my money due to Capital One 's continuing negligence and dishonesty. I have asked for a copy of their policy and the terms of my contract regarding this issue and they have refused. Nowhere in their terms and conditionsdoes it say they will restrict your account within x amount of days of having a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}

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 2020-04-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}

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 2020-04-15 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: NJ

Complaint narrative:
Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.

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 2020-04-15 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: NJ

Complaint narrative:
Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with Experian and they refuse to correct the reporting.

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 2020-04-15 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:
I'm a victim of identity theft and and I have one fraud item still on my credit that I dont recognize not did I authorize!!! I would like it removed. I've applied with every thing that's been ask of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays Bank Delaware sold a closed and charged off credit card account to a collection agency in XXXX ( XXXX XXXX ) The credit card account was opened in my name. Barclays states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at Barclays Bank where I was given this information. But, Barclays Bank is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, Barclays Bank is double reporting an account they do not own. Barclays bank is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( Barclays Bank ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( XXXX XXXX XXXX ) is also reporting this account to all three major credit bureaus as an active collections account. 

XXXX XXXX XXXX is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued XXXX XXXX XXXX in XXXX the Commonwealth won a class action lawsuit against XXXX XXXX for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) XXXX XXXX agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement XXXX XXXX agreed were ordered to stop collection activity from Social Security XXXX ( SSDI ) recipients. In short not only is XXXX XXXX in flagrant violation of the terms of their very own settlement agreement both Barclays Bank and XXXX XXXX are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. XXXX XXXX is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. Barclays is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.

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 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: WV

Complaint narrative:
We have numerous time have call this company since XX/XX/XXXX about our account which they take us off auto-pay try repossess our vehicle knowing we don't authorized this. The company don '' t call or email or text or send a letter in the mail saying payment not been made .So they decide try repossess our vehicle saying we were 4 month late take in mind this supposed to be in auto-pay we should not had to worried about this. At this time my husband was taking care of his mom before she pass away in XX/XX/XXXX and I was working about 70 hour a week.We don't have time to look at our bank account.again the payment should be coming out of our account All we asked is to remove all late payment and repossess off the credit report this stop us to get our loan on home. American Credit Acceptance has there money what the problem you know this was your fault and now trying to cover it..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I was contacted or I contacted ( not sure which because it was a while back ) but I saw where XXXX  was trying to make me pay a bill for a XXXX  service that I NEVER signed for or in any way authorized. I never never authorized this. I demanded a signed copy or proof that I authorized this because I knew that this was someone who was probably living or renting my ex wife 's house at the time. I didn't even live there at the time. I told them that and demanded proof. How did they get my name and social to open this account and start billing me for it? I never received any proof and they told me it was being investigated and they would remove it. I thought it was taken care of because it was removed off of my credit. All of the sudden it is back on my credit under a collection agency by the name of Enhanced Recovery. I sent them a notice that I DID NOT do this and XXXX  was supposed to be taking care of this. Evidently, instead of investigating it where they would find that I DID NOT open this account, they sold the debt to a collection agency. This has impacted me and my family in a very sad way recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had to leave my job in XX/XX/2019. I exhausted months searching endlessly for employment. During this time, I was unable to pay my Discover card debt. 
Months later, I spoke to a representative about my situation. 
My payments were reduced and I am on a payment schedule. 
However, due to Discovers ineptitude, I received a call that my {$35.00} payment was not received even though Discover has my bank account information, and the money was available. I received a string of harassing phone calls from a malicious discover representative. 
The issue was resolved and it happened a second time with my monthly payment. I received another call from a malicious representative who hounded me for a payment that Discover supposedly didnt receive.

I called a second representative later to complain that I am being harassed during a pandemic, especially since I already have been experiencing financial hardship. Also, it is not my fault that the payment was not received. It is Discovers fault that the paym
ent was not receive. Today I have received repetitive phone calls from the predatory vultures at Discover.

A word of caution to anyone who is considering using this despicable company : this company epitomizes greed and maliciousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Please remove fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
The collection company, First Point Resources, has yet to show proof that I did NOT pay an alleged to debt to XXXX  XXXX XXXX. They've only showed a bill. There's nothing to show that I did NOT pay the bill. They just choose to tarnish my credit worthiness without proof and taking the word of their money hungry client XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I can't get an Experian Boost. Two creditors should now be off my Experian report. The company may be dormant during Coronavirus scare, I can't reach a chat member, a phone support member and I'm having log-in problems.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made numerous attempts to contact CitiBank via telephone and chat. The phone system notifies me it is inundated, try back again at another time and disconnects. 
I can not log into my account through CitiBanks " Too Big to Fail '' Website.

I can not access customer service via CitiBanks " Too Big to Fail '' Website Chat. 
I am directly affected by California XXXX 's stay at home order and have been unable to work for a month now. I must defer my payments to CitiBank and Congress has allocated my taxpayer monies to facilitate this. Yet conveniently Citibank is simply refusing to interface with customers most likely because they are deliberately inadequately staffed to maximize their already obscene profits and generate additional monies from fees and late payments. 
I have made every effort to contact CitiBank prior to the due date of my payment to set up deferment.

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