vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I received a check in the mail for {$2500.00}. The letter attached to it said I qualified for a personal loan, all I had to do was deposit the check. I needed to pay the taxes on my grandmothers land so I decided to accept the loan. I was behind on payments and they threatened me with jail, law suit, and said they would come to my place of employment. They served me with court papers at my home to sue for the entire amount of the loan plus interest and the total amount they sued for was over {$3500.00} after I had already paid off {$1000.00} of the loan. I sent in a lump sum of {$800.00} and they dropped the complaint. 
Then, I was XXXX from work due to my son getting XXXX and I called to talk to them about my payments being placed on hold, they refused to do so but then offered me another loan of {$1500.00}. I declined the offer but after two months of not being able to go back to work because I started showing XXXX XXXX, I called them to accept the loan because I needed to pay my mortgage. They offered me {$6000.00}, I told them I only needed {$1500.00}. I sent them proof of income, insurance, residence, and identification. They asked for 6 references which I gave them and then wrote in at the bottom of the reference page that I needed to write down five items for collateral, naming specific items : TVs cars rings, things like that. I told them no I didnt have to do any of this to get the original loan which is impossible to pay off because of a 35 % interest rate so why do I have to list my property? I declined the loan and told them to stop harassing me because they call me at least 4 times an hour and send mail everyday offering me more money. They continue to harass me everyday, I have proof of their calls, and Im not even behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XXXX XXXX. I recieved an email from XXXX saying my order # XXXX was being shipped with some kind of blankets size twin and twin xl and more. The cost was XXXX I replied to the email saying I dont know anything about this. I didnt order blankets and not to send anything XX/XX/XXXX I get email from XXXX asking how I liked my purchase. I checked my Costco credit card and saw the charge for XXXX to XXXX. I immediately cancelled the Costco card I tried to call XXXX but they only email and I have about 20 emails to them and not very much response other than my IP address was used. Our neighbors have been doing a lot of things and we had a bunch of items stolen and now they moved suddenly I notified Costco visa of the fraud charge and they reversed the charge but later added the charge after the investigation I have asked for proof of the investigation but nothing XXXX wont respond and credit card just sent new card but still charged me XXXX. 

What can I do? 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to denal ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in 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 2020-08-03 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00}

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 2020-08-03 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$560.00}

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 2020-08-03 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: VA

Complaint narrative:
This is the Third time addressing this TX address that is not mine. It had already been deleted then is Showed Up Again on an updated report. I am providing a current report that I have ( however I don't think it is accurate with regards to addresses that Equifax has for me. I have moved thus I am providing two utility bills to show those addresses and my government ID. I have already provided these to you. I am also providing the other complaint detail and the Proof that the TX address has Already been Deleted. I do not have any other utility bill or something else to reflect my Current address of which Is Not Florida. I urge you to update your processes to not have people continually have to repeat the same mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
My Checking account balance is currently at negative {$120.00} due to fraudulent transactions that occurred on XX/XX/20 for the amounts of {$1000.00}, {$1000.00} and {$310.00}. The bank chose to take away the provisional credit and did not explain why they were not protecting my account from fraud. 

Three things are happening now ; I am now responsible for the fraudulent transactions, my Checking account in now in a negative balance that the bank claims I am responsible for, and they are threatening to report my account to XXXX XXXX XXXX. with negative comments so that I can no longer open a Checking account at another financial institution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-08-03 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-08-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards. 

Some of the Comenity Bank & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment. 

1 ) Comenity Bank XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) Comenity Bank XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXXXXXX XXXXXXXX Card   XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters. 

As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I have substantiated proof that Santander Consumer USA is in fact in the debt collection business, as they are trying to collect an alleged debt using false representation and deceptive means. I have several documented attempts to allow the company to admit to their wrongdoings. I demand relief in the form of monetary remedy as well as the complete deletion, and removal of this information from my consumer reports, and from all consumer reporting agencies databases. I invoke my rights as a consumer protected and enforced by the FCRA 15 U.S.C. 1681, and the FDCPA 15 U.S.C. 1692. I have multiple exhibits that substantiate my claims that the company is in fact in violation of the FDCPA on several counts. My attached Affadavit of truth, which was also included in the last correspondence with the company, has each fact listed. It has been thirty-eight ( 38 ) days I have not received a rebuttal of the facts I stated in my affidavit of truth, validation letter, and cease and desist request in my last correspondence sent via U.S. Postal Service certified mail with a return receipt. I requested that the company validate the information they are alleging by completing the attached forms, send them back to me for review, and allow me 30 days to evaluate while all collection and reporting must cease and desist. The company failed to validate, and send the documents back therefore by law, my affidavit stands as truth, and the company admits to being negligent and dishonest. Also, the company is using false representations, and deceptive tactics to attempt to collect an alleged debt. In my original correspondence the company listed its address as XXXX. XXXX XXXX XXXX XXXX, TX XXXX, but in the exhibits they sent back to my validation request they have their address listed at the bottom of the page as XXXX. XXXX XXXX XXXX, TX XXXX, and on some of the other documentation they have XXXX. XXXX XXXX XXXX XXXX, Tx XXXX, on their website they list XXXX. XXXX XXXX XXXX, TX XXXX as their payment address. The different addresses are very misleading, inaccurate, and unprofessional, as my other exhibits substantiate. The company haphazardly sent back documents that do no validate any fact or truth to support their claim so this debt is indeed invalid and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed my account didnt provide a dispute process and have no record of why the account is closing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.

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 2020-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ACQ Holdings, LLC.
State: MO

Complaint narrative:
I was served by XXXX XXXX County back in XX/XX/XXXX, I never received anything from this company prior. I called XXXX XXXX XXXX the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted today XX/XX/XXXX by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXXXXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX XXXXXXXX

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 2020-08-03 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: IL

Complaint narrative:
This complaint is in reference to Equifax. On XX/XX/XXXX I submitted packets to all three credit bureaus to place credit freezes on my XXXX children. My USPS tracking number indicated Equifax received the packet on XX/XX/XXXX. On XX/XX/XXXX I called Equifax to see what was going on because I had neither received my certified mail receipt nor a confirmation letter from them that the freezes had been placed. ( I had received my letters from the other two bureaus weeks before. ) Equifax proceeded to tell me that they had not received my packets. 
I ended the call and went to the post office where a postal employee printed a confirmation of the signature they received when it was delivered to Equifax on XX/XX/XXXX. I immediately called Equifax again and tried to gain more information about where my packet may have gone and what is the standard process for mail that they receive. I spoke to a representative who could not give me any information. I asked to be transferred to a supervisor. I did not receive any information from him as well. In fact, he hung up on me. I have the phone call on video as proof. 
I would like to know where my packet is that has all the birth certificates and social security numbers of my children and myself. This is critical information and Equifax does not have a clue as to where it is at within their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to XXXX ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX.

Company response to consumer: Closed with explanation