vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am no longer an authorize user on XX/XX/XXXXXX/XX/XXXXXXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am no longer an authorize user on XXXX XXXX XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am no longer an authorize user on XXXX XXXX XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.

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 2020-12-12 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: MS

Complaint narrative:
Hello I have been a victim of Identity theft, and I fill my file has been compromised because of incorrect addresses that have been allow to stay on my credit report, I have contacted reporting agency to have them removed but they haven't complied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12 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: MS

Complaint narrative:
Hello I've beed victim of Identity theft and fill that it's happen because of the incorrect information that has been allowed to remain on my credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple credit card managed by Goldman Saks was used to purchase Apple MacBook Pro 13 '' notebook on XX/XX/XXXX at Apple Store online. The amount was {$1600.00} and {$150.00} sales tax as 2 separate transactions. An order was never created. 
Apple Customer Care admitted that it is a known problem happening for a new Apple credit card but was assured that these 2 charges would be automatically dropped from my account in 2-3 days. 
These are still active charges after almost a month, and a number of calls between Apple Store Customer Care and Goldman Saks Support managing this card for Apple did not address the issue. 
Only yesterday after I escalated issue at Goldman Saks Apple Card Support its manager XXXX finally admitted that it is a known problem for this card. 
She created a case # XXXX on XX/XX/20 to remove these 2 charges. 
But when I asked when these illegal charges would be removed she put me on along wait to consult somebody else, and returned back saying it would take another 30 days to investigate this contradicting that she clearly saw that no order was associated with these 2 charges. She neither sent me email about this issue nor would send me mail about it. 

Currently there are 2 charges : {$1600.00} and {$1700.00} I used this card for a recognized {$1600.00} charge. {$150.00} is interest charge from that not created by Apple Store order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Coastal Credit, LLC
State: IL

Complaint narrative:
I can see many hard inquiries about car loan & money loan which I dont recall at all. Without my consents

Company response to consumer: Untimely response
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
The company started foreclosure proceedings, through an Utah attorney, after mailing all communication to a wrong address. I finally got the foreclosure stopped after many hours on the phone with lender 's customer service representatives. Many hours of lost work and stressful given I'm still unable to obtain access to certain credit capacities with this falsely reported derogatory information on my credit reports. 

The lender has provided written acknowledgement that the lender wrongly reported the derogatory information and also provided internal company information noting their error. Additionally, the lender in writing informed me that the credit file would be corrected over a year ago but still continues to report such. I've also opened disputes with all 3 credit bureaus the the lender won't remove the items from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
XX/XX/20 : Noticed I had unauthorized charges made with my card and contacted XXXX XXXX Support to file a complaint/dispute. They said the charges haven't cleared yet and to contact them to file a dispute when they do clear. 
Charges : XXXX XXXX XXXX : {$42.00} XXXX XXXX XXXX : {$51.00} XXXX # XXXX : {$92.00} XXXX # XXXX : {$120.00} XX/XX/20 : Charges cleared so I contacted Instant Financial support again and filed my dispute. They emailed me a dispute pack to fill out and to send it to a third party company named Incomm. I received and filled out and sent the dispute pack that same day to Incomm. 

XX/XX/20 : Incomm emails me saying the investigation is complete and that they did NOT find any unauthorized uses and said my money will not be refunded. They provided a contact email if I have any questions regarding their decision. I attempted to email that address provided and I get an instant response from the mail post server saying the email address I attempted to send to has a mailbox that is full and to try again. I attempted to contact the email address several times and still get the auto response saying the mailbox is full for the email. ( XXXX ) XXXX XXXX XXXX again to see why my dispute was denied and they said I have to contact Incomm via the email address that has the full mail box. ( XXXX ). I told them that I get an instant response saying it wasn't delivered and they told me to keep trying ( which I did and have ) and refused to give me a phone number to XXXX XXXX Dispute department and Incomm 's Dispute department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hello I've beed victim of Identity theft and fill that it's happen because of the incorrect information that has been allowed to remain on 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 2020-12-12 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: MS

Complaint narrative:
Hello I've beed victim of Identity theft and fill that it's happen because of the incorrect information that has been allowed to remain on 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 non-monetary relief
Consumer complaint received 2020-12-12 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: TN

Complaint narrative:
I have disputed these accounts 3 times they have yet to remove these accounts that are not my 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 2020-12-12 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: GA

Complaint narrative:
On several occasions I wrote to Experian disputing a bankruptcy that they listed on my credit report. They wrote me back and said that the information was verified by XXXX XXXX and the court. I contacted both and the court said that they had absolutely not verified the account. XXXX XXXX removed the account from their report. I provided written proof of all of this to Experian. They could not possibly have done and investigation, because they said that they had verified it again with XXXX XXXX after XXXX XXXX had clearly acknowledged that the information was inaccurate and removed it from their report. 

Experian then made 3 requests for me to prove my identity. I belive that these requests were made just to avoid answering me, because I submitted my identity information with the dispute. I included my driver 's license and social security in my original requests and follow up response. I felt that this was designed to frustrate me and make me give me. But it just doesn't make sense that if they entities that you claim gave you the information either say that they did not or admit that the information was incorrect then Experian can not justify keeping this inaccurate data on my report. 

I believe that Experian is willfully failing to conduct a lawful investigation and stubbornly refusing to remove this bankruptcy listing from my account. It is as if they think that they don't have to meet their obligations and can continue to inflict hurt on me. 

I am requesting that this bankruptcy be removed permanently from my credit report and that I be sent an updated 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 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
Every month the last 2 1/2 years XXXX XXXX until today XX/XX/XXXX, I have a late payment status. Every other month this reflects on my credit here as a homeowner for 17 years. This mortgage company has been saying I am late on paying every month. I should have an 800 credit score I only have at XXXX & have never been late. I have all documents that state when all payments have been paid. I have nearly been homeless because of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is saying im late when i am not when i dispute they added another late mark showing XX/XX/XXXX late 30 days when my payment was due XX/XX/XXXX so im not 30 days late

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 2020-12-12 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: TN

Complaint narrative:
I have disputed these accounts 3 times they have yet to remove these accounts that are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: TN

Complaint narrative:
I have disputed these accounts 3 times they have yet to remove these accounts that are not my 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 2020-12-12 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: GA

Complaint narrative:
I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted! There is also evidence proving that I am a victim of the XXXX Data Breach!

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 2020-12-12 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: NC

Complaint narrative:
I HAVE ASK TO HAVE THESE TO BE REMOVE AND THEY HAVE YET TO REMOVE THEM.

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 2020-12-12 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: FL

Complaint narrative:
My credit report for Experian has wrong social security and I would like it corrected. I have requested Experian correct my credit report to no avail and according to the Fair Debt Collect act Experian has a duty to report correct information to credit granters and Experian was made aware of this matter 8 months ago and have yet to correct the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX I received a call from Capital One auto finance stating that I had an balance of XXXX remaining on my vehicle and that its due by XXXX XXXX. I stated to him that I'm aware of the balance and I have been sending {$25.00} per month what i can afford considering I dont have a source of income anymore. I explained to due to the pandemic I have lost my main source of income and i will not bee able to satisfy that balance on such short notice. The gentlemen went on to threaten me and aggressive tone an stated pay in full or it will be a negative mark against your credit and it would not be reversed.FYI : I no longer have vehicle in my postion possessions. The insurance company has it. Also since the conversation with the gentlemen he has sent me a past due bill of {$1800.00}. according to the information I read that's sent to me by capital one auto all credit reporting has stopped but now they are sending me this invoice im afraid they may try to report negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: NC

Complaint narrative:
I HAVE ASK TO HAVE THESE TO BE REMOVE AND THEY HAVE YET TO REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: NC

Complaint narrative:
I HAVE ASK TO HAVE THESE TO BE REMOVE AND THEY HAVE YET TO REMOVE THEM.

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 2020-12-12 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: IN

Complaint narrative:
After checking my credit report in XX/XX/XXXX, I discovered 2 items on my credit report that were not mine. One was a Chapter XXXX bankruptcy, and one was some type of financial company/lender. They were disputed with all 3 major credit bureaus, and both were " verified '' according to the bureaus. I contacted the organizations ( Federal Bankruptcy Court XXXX  District of Indiana and XXXX XXXX XXXX ) early this year, and was told they had not been contacted by any of the bureaus. A second call to each of them on XX/XX/XXXX found no one from Experian had contacted them about my credit listings at all. Of course, Experian lied about this, and then said " oh, well, we didn't contact those you disputed account with directly. We did it via XXXX XXXX ''. When confronted, their argument fell apart. 

In XX/XX/XXXX, I sent registered letters to all 3 bureaus asking for the method of verification, details on who they spoke with to verify, what documents were submitted to verify, etc. XXXX  and XXXX complied. Experian did not. After 4 phone calls over the past two weeks to Experian, they claim that they " don't have to comply '' with any method of verification, and will not do so. Even after sharing the details of the FCRA and FACTO laws, they refused. Finally, on my last call to them today, they kept " dropping '' my calls when asking to speak to either the legal department, or consumer protection office. These calls were all recorded, and can be provided to you. 

I am adding copies of the registered letters, which Experian received well over 30 days ago, police report, mail receipts, etc. As an investigative journalist, we hear these types of complaints often, and in the last year, every day. Experian 's willful ignorance of the laws they must follow, and intentional disregard for the consumers they are to " protect '', must stop. And, since they won't comply with the laws, treat customers poorly, and continue to harm those who dare confront their illegal practices, they must pay for these transgressions. No stranger to class-actions and court cases in general, their attorneys will be very busy, and once again lose, to those of us harmed by their actions. Please consider additional fines and sanctions. Along with state attorney generals and the courts, they will be made accountable.

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 2020-12-12 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: NC

Complaint narrative:
I tried to dispute these inquiries with 3 reporting agencies ... but however they are still there and I didnt give anyone my authorization to run them

Company response to consumer: Closed with explanation