vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
XXXX XXXX takes XXXX cents everytime you hear your balance and is said to have free customer service but you can not get customer service if you dont hear your balance first phone calls are often cut off or pushed forward to an automated system only giving you the option to start all over again and hear you balance again when it's not necessary due to quarantine I havent been able to get through to them what so ever but I was charged over {$3.00} for trying on the XXXX because I had to keep calling they are taking money that I dont have and not providing the service they say is free

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: PA

Complaint narrative:
XXXX XXXX XXXX  continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.

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 2020-04-22 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: PA

Complaint narrative:
XXXX XXXX XXXX  continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.

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 2020-04-22 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: NY

Complaint narrative:
I am a victum of ID Theft. I have been working with the 3 Burials. Only XXXX has corrected my profile and removed the fraudulent accounts open bay the thieves. 

I was informed by Transunion and XXXX that any and all corrections / removals to my credit profiles was at the of the creditors regardless that the XXXX deceives and police found that the account where indeed fraud and that ID Theft is in fact case in connection with my profile/ss #. 

Im on the verge of losing my business due to this fraud. My company was closed by NY state due to Corona and SBA has denied my loan because of the fraud making my scores low. 

XXXX and Transunion are not following the law.

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 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: MN

Complaint narrative:
My account charged off in error. Even after me making payments. 

I called in on XX/XX/XXXX two times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and now twice on XX/XX/XXXX. I spoke to several people who informed me not to worry my account would be corrected and I would not be adversely affected. Today Lending Club reported to the credit agency 's that I have a charged off account which has made my score drop approximately 100 points. I think this beyond unfair to me as a consumer. I was reassured on several conversations with their company that this would not happen. 

I reviewed the documents sent to me for the loan and it does not mention anything about charge period being expedited. 

I called in on XX/XX/XXXX and made a payment via phone in which the rep told me she would set me up auto payments. Asked for a supervisor to call me. 

Called in on XX/XX/XXXX payment did not come out of my account because it was removed and still in a charge off status. I told them I would be happy to make my payment when this problem has been corrected. Asked for a supervisor to call me. 

XX/XX/XXXX still no resolution. No supervisor has called me since my request on XXXX. Every time I call I am told someone will call me but that never happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
On or around early XX/XX/XXXX I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I given this company my police report on more than one occasion, they actually took the debt off my credit last year, however within the last 30 days they have hit my credit 4 times. The first fax I sent to them was more than 30 days ago and then I faxed the information to them again on XX/XX/2020. I want them to get it removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/2019, I clicked on the " XXXX XXXX Support '' icon to get an agent for a tuneup. The regular icon for this process was clicked on and the regular process info was run. Then a conversation block comes up on the left side to type to the agent your name, phone number and brief description of problems to resolve. Then it asks to allow XXXX and consent is checked Tune up was run and I was called after the closing screen read that the service was done and I received a phone call. Normal when anything needs to be reviewed. I was told that I needed an XXXX XXXX package because of foreign ip 's attached to mine. The cost was X $ s for 1, 3 or 7 years. I chose 7 years for {$490.00}. 
The agent asked me to go to the local store to pay for the protection but the store would be closed by the time I got there. Another option was presented on bestbuy.com website for XXXX gift card and others to cover the cost and have redemned.Cards were sent to my home address and then the same phone number ( XXXX XXXX ) called back for the codes for the payment after giving codes he said that this was eligible for rebate and expect a call ( XXXX XXXX XXXX ). He wanted me to pull up a screen and enter my bank account so the rebate would be made. I refused. Since then I have been trying to resolve with Best Buy, XXXX XXXX, local detective, Citi bank ( credit card for Best Buy ). Was initially charged {$500.00} and nor is {$610.00}. Given a Citi Bank address to write my complaint and talked to Delaware Attorney General 's office. My credit card was stopped and replaced. Spoke to all companies mentioned above in XXXX, XXXX, XXXX. and XXXX with no resolution

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 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: FL

Complaint narrative:
During a fairly routine credit check I discovered a judgment against myself from " Savit Collection Agency ''. I was unaware of any outstanding debt and to this day still do not know where it came from. My credit card companies, auto loan, rental agreements and banks have all confirmed I'm in good standing, so it may not be mine. 

Regardless, the amount does not appear significant so rather than bother with disputes I simply wanted to pay this debt in full and have it, at a minimum, listed as settled on my credit report, if not paid-in-full. 

Unfortunately, the agency never provided me with any information in the first place. When trying to make a payment on their site, they redirect you to their customer service phone/email options. That's fine. 

Except you can not actually get in touch with anyone. I've left messages for the agency three times and can not receive any correspondence, despite me openly communicating that whether the debt is mine or not I want to pay them in full. One would figure that'd be an incentive to respond. 

So I have this judgment remaining on my credit report, I suppose indefinitely, because I can not just mail money off into the ether and assume it'll be removed, but I also can't confirm anything about the amount of my payment, the account #, where to pay, how to pay, etc. 

Terrible agency.

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 2020-04-22 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: NY

Complaint narrative:
XXXX, Experian, XXXX XXXX All three agencies are manipulating credit scores to their advantage. For several months ( about 7 ) my credit score was slightly below 600 ( XXXX ). As I was following all of their guidelines on how to restore my credit slowly for years my credit score would only go up one to two points at a time. As I was about to go over 600, my credit score plunged almost 54 points and advertisements for XXXX XXXX  ( which takes data from your personal checking account on an insecure breach ), and various other ways to improve my credit AT A COST, or enrollments of a program again at a cost or ways for these companies to gain more personal information such as checking account information which is just another wormhole to data. Even use fear based advertisements such as, suggesting I keep a closer eye on my credit reports by paying a fee to watch all three reports closely! Why do we as a public entity have to pay to see what our credit scores are when these agencies are taking our data for free!!!!! 
They are stealing my data to gain monetary satisfaction for their corporations! 

Because they have manipulated my score I am actually paying higher interest rates on student loans, car loans, can't get a mortgage. I have had to pay attorney fees to XXXX XXXX to try and repair my credit. 

In one month I lost 23 points on a credit score for no valid reason bringing my score way below 600 points. Then the following month they gave me one point back! 



This is a criminal act. These credit reporting agencies are using my data for free to manipulate my credit score so that in turn I pay for services to repair 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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with Equifax and XXXX. They are no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 found accounts I never open this is not mine this is a fraud accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: WA

Complaint narrative:
In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from CU. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid this bill on her branch with I explained the reason that I never receive my bank statement, which causes me didn't know my checking account did not have enough funds to pay the auto payment system through CU, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. However, From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill with CU, and I do not use online banking with CU. Truthfully, I never have 30 days past due with any loans with any lenders due to I can keep track, manage my fiance, and have done responding on bill payment very well with bank statements which they have sent me by mails, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with CU and the three credit reports bureaus asap. Thank you! Stay Safty. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO. BOX XXXX XXXX, WA XXXX The three credit report bureaus : XXXX   XXXX XXXX. BOX XXXX XXXX, PA XXXX XXXX   XXXX. BOX XXXX XXXX, TX XXXX EQUIFAX XXXX. BOX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-22 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-22 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: OH

Complaint narrative:
Equifax has reported two Bankruptcies on my credit report that are dismissed. I have filed a dispute on several occasions stating that dismissed Bankruptcies no longer exist in the eyes of the law, according to the Fair Credit Reporting Act so they must be deleted. In section 1681c, the FCRA mentions nothing about keeping dismissed Bankruptcy information on ones credit report. This has caused me extreme hardship because Equifax has no right to maintain information which the government has deemed nonexistent. If they don't comply, I will be forced to litigate without fail. The Bankruptcies that need to be deleted are dated, XX/XX/XXXX  and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I need to fix a debt that was incorrectly sent to collections ( it has been paid in full ). I opened disputes with XXXX and XXXX. I could not log into Transunion. I spent an hour on hold with their phone line, at which point I spoke to a customer service rep who told me that they had disabled web-based dispute filing due to the COVID-19 emergency. This is ridiculous and outrageous. He then told me that because my account had previously been the victim of fraud ( some credit cards were fraudulently opened in my name ), a different department would have to field my dispute. I was transferred to their hold line. After 15 minutes I had a work obligation and had to hang up. 

I feel that Transunion has an obligation to provide expeditious dispute filing to the Americans they track.

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX  shop to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with XXXX and TransUnion. They are no 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 2020-04-22 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: CA

Complaint narrative:
I found accounts I never open this is not mine this is a fraud accounts

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 2020-04-22 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 found accounts I never open this is not mine this is a fraud accounts

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