vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RETURNED THE LEASE BACK TO XXXX AND THEY KEPT IT THEY SOLD IT AND SOLD THE LOAN TO A COLLECTION COMPANY AND ITS STILL REPORTING TO MY REPORT AND ITS AFFECTING MY REPORT NEGATIVELY - PLEASE HELP! 
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose XXXX XXXX XXXX Account Name XXXX Account Number Auto Lease Account Type Individual Responsibility XX/XX/XXXX Date Opened Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$15000.00} Original Balance {$0.00} Highest Balance 36 Months Terms XX/XX/XXXX On Record Until {$7400.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY

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 2020-05-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-05-07 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence resource management is attempting to collect a debt on behalf of XXXX and has reported it to my credit Bureaus. This XXXX account is a fraudulent account that was opened under my name. I have had identity theft since 2015 and have had an extended fraud alert on all 3 of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
The credit card service of Citizens bank has refused to update that I paid off my credit card with the credit bureaus leading me to have an artificially low credit score during COVID-19 which is greatly impacting my ability to manage financially. 

I have called their customer service line multiple times to no avail, each time I am given a different excuse and a workaround explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I contacted JPMCB CARD SERVICES ( Chase Card Servcies ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with Covid19 and having to take care of many who are not working. Chase finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, CHASE reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that CHASE provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES Act, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-05-07 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:
Two accounts have appeared on my credit reports, both are fraud. 

XXXX  XXXX account for XXXX XXXX XXXX XXXX  for 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 2020-05-07 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-07 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have had this {$300.00} in collections on my credit report for over 4 years. 

I've attempted to contact the collections agency several times without any success. My last attempt was on XX/XX/20. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I added seven authorized users to my Capital One account causing my account to get flagged and frozen on suspicion of fraud. Since, I have spoken to several managers and representatives who requested documentation verifying that it is not fraud. I provided those documents multiple times over the course of about two months and they are still refusing to release the hold. I wrote Capita Ones corporate office and have yet to receive a response from them as well. Now, today, I received a notification that my account will be closed due to no address which was seemingly deleted and I have no ability to correct due to my account status. This is one of most favorable accounts and losing it will negatively impact my credit profile as well as other lines of credit tied to this bank which are also frozen because of this one issue. Every time I call customer service I am given the run around and/or conflicting information, especially regarding documents being received. This is seeming like a modern day form of discrimination from a major company that Ive been loyal to for years. I need help regaining access to my account to prevent harm to my credit, finances, and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
In the several years I've been using my XXXX Mastercard Barclaycard XXXX I've filed maybe 2-3 disputes. Apart from making it incredibly difficult to initiate the dispute ( e.g. when calling the published  number they try to convince you to go online. Then, when online, there's no option to submit a dispute online but you're instructed to mail or fax (!!! this 2020 we're talking about ) the dispute info. Once the dispute is finally submitted there is ZERO follow up. I.e. the charge is not taken off the account for the duration of the dispute, there's ZERO information regarding what's happening. When you finally call again ( there's no way to do this online ) to check you're on hold forever and then again, either they tell you the dispute has been cancelled or the dispute is still being investigated. So this is my complaint ... IT APPEARS THAT DISPUTES ARE BLACK HOLED INTENTIONALLY by XXXX Mastercard Barclaycard 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 monetary relief
Consumer complaint received 2020-05-07 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
Two accounts have appeared on my credit reports, both are fraud. 

XXXX  XXXX account for XXXX XXXX XXXX XXXX for 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 2020-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Two accounts have appeared on my credit reports, both are fraud. 

XXXX XXXX account for XXXX XXXX XXXX XXXX for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
In early XXXX of 2020, I started a quest to lower my TV and internet costs. I made a call to XXXX XXXX. I was very clear with the channels I needed and I was assured that I could be accommodated. The conversation continued involving various packages. I was told that they needed personal information to make sure that I got the best rates but no consent was given for a credit report inquiry at all. I am very protective of my information. Some 20-30 minutes later the salesperson finally admitted that they could not offer the only channels that I wanted. I was done with XXXX  ... or so I thought. It seems that without my knowledge they ran my credit report. And it is a hard inquiry. I am on the phone now being told that I " should not worry about it '' but I am worried. They ran a hard inquiry without my permission. I do not have an account with XXXX. And now I have bigger concerns about the integrity of XXXX and the person that used my social security number without my permission. This hard inquiry will remain on my Equifax credit report for possible two years. XXXX  is refusing to help at all. This will be on my credit for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
On account XXXX XXXX XXXX appearing on XXXX  and other bureaus that includes at least EXPERIAN, XXXX  AND OR XXXX depicted false information, it appears by removing information, so the account is inaccurate AND incomplete.The result made a 2008 fico XXXX score into a fico XXXX score.They have taken a paid collection and made it appear as an open current collection.COMPLETE PROOF IS ATTACHED. 
THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY AS IT IS AFFECTING CREDIT TRANSACTIONS IN THIS DAY.

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls/Cap One XXXX - This account is past the statute of limitations and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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 couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

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 2020-05-07 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 couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX   XXXX $ XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$150.00} XXXX  XXXX  XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

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 2020-05-07 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding XXXX This is past the statute in Utah and should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TX

Complaint narrative:
I HAVE NOTIFIED THE CREDIT REPORTING AGENCY TRANSUNION THAT I AM THE VICTIM OF IDENTITY THEFT ON MULTIPLE OCCASIONS AND THE FRAUDULENT ACCOUNT STILL REMAINS ON MY CREDIT REPORT THE CREDIT REPORTING AGENCY TRANSUNION IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA USPS MAIL AND ALSO SENT A SIGNED FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION. TRANSUNION IS IN VIOLATION OF FCRA 605 B BECAUSE THEY DID NOT BLOCK OR DELETE THE FRAUDULENT ACCOUNT WITHIN 4 BUSINESS DAYS. THEY DID NOT EVEN OPEN A DISPUTE I SPOKE WITH A REPRESENTATIVE ON XX/XX/XXXX WHO LIED TO ME AND SAID THAT THEY DID NOT HAVE TO FOLLOW FCRA LAWS ONLY THE ORIGINAL CREDITOR DID. IT HAS BEEN OVER 30 DAYS SINCE I. FIRST DISPUTED THIS FRAUDULENT ACCOUNT ON XX/XX/XXXX AND YET THE FRAUDULENT ACCOUNT STILL REMAINS ON MY 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 2020-05-07 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was on forbearance with Navient and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX or XXXX we were contacted by our mortgage company multiple times to do the streamline refinancing. We started the process and finally got everything finalized in XXXX. Come XX/XX/XXXX we receive in our annual escrow analysis sheet and it states we are negative in our escrow account and on XX/XX/XXXX we owe either XXXX and our monthly mortgage goes up {$200.00} for 12 months or we can opt to not pay the XXXX but pay {$650.00} more monthly for 12 months. Both causing more money out of our pockets than our original amount before refinancing. After contacting customer service via phone twice and getting the run around and submitted an online question on XX/XX/XXXX ( still have never heard anything back ) we finally emailed on XX/XX/XXXX XXXX which this email comes from XXXX reviews. We found out during the refi process the loan officer did our paper work incorrectly they looked at the value of the house from when we first went into contract and our house was just accessed at land instead of looking at our actual house value and our prior taxes and paper work on file. They took our escrow balance and applied it to our principle thus causing us to be in the arrears come XX/XX/XXXX once our annual taxes were paid. We were told they would reach out to see what could be done, possibly extend our extra payments out longer. We explained in what would we want to pay more monthly on our mortgage than we did before we refinanced. That is was a joke, and the amount of times we have had to reach out to Freedom Mortgage without getting help they should really fix their problem. We have still not received anything from them except our XX/XX/XXXX statement which shows we owe the extra {$650.00}.

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