vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
Experian Report dated XX/XX/XXXX, XXXX shows I'm late XXXX, XXXX, XX/XX/XXXX. This report also shows I'm was late XX/XX/XXXX. 

Experian Report dated XX/XX/XXXX, now shows I was on time all of XXXX. They completed deleted my late payments. And this report states I was on time XX/XX/XXXX. 

Why does this company keep changing my past due dates? 

More recently, after my dispute with Experian dated XX/XX/XXXX, they changed the date this account was first reported, from XX/XX/XXXX to XX/XX/XXXX. Again, why does this company keep updated and changing the dates on my report? 

Furthermore, not XXXX nor Experian have supplied me with the information used to verify and validate my profile the way it is being reported to the credit bureaus. In addition XXXX states they no longer are in possession of this loan. If they are no longer in possession of it what do they keep incorrectly updated my file? 

Lastly, this account and case was dismissed by a Florida judge because after 11 months they refused to submit any documentation that substantiates their claim that I was in breech of a contract. 

This matter has been escalated to Florida Attorney General XXXX XXXX XXXX Consumer Protection Division and I'm actively interviewing attorneys to proceed with litigation.

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made a XXXX payment Payment was for XXXX and XXXX They failed to apply it for XXXX Citi is refusing to fix it Citi Told me they called to XXXX and couldnt find my phone call Citi decided to stick with their XXXX lai And jerk me around toy with me Refuse to take the fees off Refuse to do anything Disregard everything I said And only stick with phone call to XXXX I will take them to court The court needs physical address For serving the court paper Not p o box address Citi refuses to give me a physical Address They say they dont have physical address Only p o box Big 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 2021-02-25 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: CA

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED AT 30 OR 60 OR EVEN 90 DAYS THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND 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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ATG Credit, LLC
State: MO

Complaint narrative:
The complaint is against ATG Credit , LLC for abusive language, aggressive, unlawful collections efforts. ATG never followed the Fair Credit Act by contacting me via us mail to validate debit. After calling to inquire about the negative posting to my account. I was told by the Supervisor/Manager XXXX XXXX that ATG Credit , LLC, has the right to post anything to anyone credit where ever the company wants there is nothing the consumer can do about rather it is incorrect or not. When I was explaining to her that I will only like the chance to validate the debit from XXXX. XXXX XXXX was yelling and threatening to ruin my credit when I mentation I was trying to close on my first home. That client XXXX XXXX University will XXXX validate the credit. This causes undue stress and worries for a single mother of a XXXX-XXXX-old. I just want to buy my first home and obtain the American dream for my son and myself. She knew I was a minority by my account she spoke on that. I called XXXX  XXXX University after the call the account was paid in full and this debit ATG Credit , LLC is collecting on is invalid. The call to ATG LLC was made on XXXX at XXXX central time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX  Report dated XX/XX/XXXX, AES shows I'm late XXXX, XXXX, XX/XX/XXXX. This report also shows I'm was late XX/XX/XXXX. 

XXXX Report dated XX/XX/XXXX, now shows I was on time all of XXXX. They completed deleted my late payments. And this report states I was on time XX/XX/XXXX. 

Why does this company keep changing my past due dates? 

More recently, after my dispute with XXXX dated XX/XX/XXXX, they changed the date this account was first reported, from XX/XX/XXXX to XX/XX/XXXX. Again, why does this company keep updated and changing the dates on my report? 

Furthermore, not AES nor XXXX have supplied me with the information used to verify and validate my profile the way it is being reported to the credit bureaus. In addition AES states they no longer are in possession of this loan. If they are no longer in possession of it what do they keep incorrectly updated my file? 

Lastly, this account and case was dismissed by a Florida judge because after 11 months they refused to submit any documentation that substantiates their claim that I was in breech of a contract. 

This matter has been escalated to Florida Attorney General XXXX XXXX XXXX  Consumer Protection Division and I'm actively interviewing attorneys to proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: DISCOVER BANK
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company Involved : Experian Company Number XXXX XXXX On XX/XX/2021, I waited ( was on hold ) for 20 minutes, and then an agent that identified herself as XXXX answered my call XXXX After realizing that one of the disputes I had needed to be taken up with the Fraud dept, we continued with correcting my personal information. 

As I questioned her about the new information that appeared on my account in just a day after talking to them to correct other information, and she told me I had to have provided it to them, and I told her I did not, and that I would like to understand how new incorrect Phone Numbers have now appeared after she ( I spoke to an agent on XXXX, XXXX ) removed the other incorrect numbers. Well, XXXX must've not liked my questions, so she tells me that she was going to transfer me to the Fraud line, and after they help me with that, they can then help me with my other disputes also, next thing I know I'm back listening to hold music. 

So after someone answered the phone, and said his name was XXXX, I explained to him that after he helped me with my fraud dispute, I would like to speak to a supervisor, because what XXXX did was totally unacceptable, well my phone is just dead air. XXXX never replied, never spoke again, and I am still connected as I found this site and have typed this Comment. 

Also, just a company telling the XXXXredit Reporting Company, " Yes, it's correct '' is not enough. They should provide a copy of the paperwork to the reporting Agency once an item is disputed, and the customer should be able to review the documents. 

I know for a fact it is impossible for the debt to be mine. I am a 100 % XXXX vet that have not been to a doctor outside of the VA network in 10 years, but two of the disputes are from original Debt from a Hospital.

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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
My husband entered into an agreement in XX/XX/2019 with Freedom Debt Relief and it's been a disaster since the beginning. The first debt they settled had issues with XXXX saying they didn't get the full amount promised in the settlement and we had to go back and forth with FDR. Then, the second card for XXXX XXXX XXXX just recently settled and it's basically the amount we are depositing to FDR each month so that leaves the last one XXXX out of luck basically unless we deposit between {$300.00} - {$500.00} extra per month. We were served a lawsuit by XXXX about a month after the initial date on the papers and now are being represented by a law firm in OK. We sent all the signed papers back right away and never heard anything from them I had to reach out to ask what is going on. It's been a back and forth. FDR has been absolutely horrible. I filed a complaint with the Attorney General 's office as well and they just responded with of course they have done nothing wrong. Along the way, they tried to get us to do a consolidation loan with them since I'm sure they realize the plan isn't going to work the way they sold it for the amount of money they told us we'd have to pay. Bottom line we were told to pay {$310.00} a month for 4 years and your debt will be paid. This is not true. They are a total and complete rip-off and are deceiving consumers right and left. I see there were multiple class-action suits and they just pay millions of dollars and continue doing what they were doing. It's shameful. I working with the attorney they appointed who is also no great shakes mind you and hoping to settle that debt directly with XXXX outside FDR. Then contact XXXX XXXX XXXX  and try to pull that out of the program as well. Then I want to sue FDR to get any fees we paid to them back and a sum of money for the emotional stress this has caused my husband and myself. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: PA

Complaint narrative:
Credit Bureau failure to reply to 30 day complaint notice. Equifax, XXXX XXXX Credit Bureau listing in actual information that do not belong to my.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: AZ

Complaint narrative:
DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : XXXX XXXX and Equifax Dear XXXX XXXX, and Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Equifax Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on : XXXX 2019 Made with : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: PA

Complaint narrative:
Credit Bureau failure to reply to 30 day complaint notice. XXXX Transunion, XXXX Credit Bureau listing in actual information that do not belong to my.

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 2021-02-25 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and TD Bank USA/Targetcred. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
A company called Transferwise we're meant to send my funds to my XXXX bank account. They promised this would take 48 hours. The money is coming from my personal US account to my personal XXXX account which I use for a vacation property. They now have taken over 3 weeks and their customer service is giving me the runaround. They're blaming a 3rd party bank. My relationship is with Transferwise, not a 3rd party - they need to refund me but are making all types of excuses. Their customer service is non-responsive and only answer when you complain when they do answer they say " we have no update ''. My contract is with Transferwise, not the 3rd party they promised me funds in 48 hours. 

My health and business are suffering and my staff had to be paid late. It is over $ XXXX USD. 

I am not the only person who has issues with this company, I have met 100 's of customers over the past few weeks who have had similar experiences, some peop [ le have waited over 6 months for a refund. I have reason to believe this company is committing fraud and using our funds as operating expenses, they recently started to file an IPO. Please help before any more innocent people lose their money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am filing a complaint because Santander, XXXX XXXX  and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: OK

Complaint narrative:
XX/XX/XXXX amount {$1100.00} XX/XX/XXXX amount {$3600.00} XX/XX/XXXX amount {$1800.00} I have disputed these items with Experian a number of times I've also called the Dept of XXXX  as well.

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 2021-02-25 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: FL

Complaint narrative:
EQuifax, XXXX, and XXXX failed to comply with thirty day notice. Reporting inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
Hi, I am very stressed out, I am victim of identity theft and someone used my personal info and as a result today appeared some accounts in my credit report that are not mine ... What should I do? Please help me, I do not know what to do .... I do not know these accounts and they just crashed my credit report. Its a fraud, please remove them because otherwise I will have XXXX XXXX as we just planning with my wife to obtain a loan ... ..

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 2021-02-25 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: FL

Complaint narrative:
Hi, I am very stressed out, I am victim of identity theft and someone used my personal info and as a result today appeared some accounts in my credit report that are not mine ... What should I do? Please help me, I do not know what to do .... I do not know these accounts and they just crashed my credit report. Its a fraud, please remove them because otherwise I will have XXXX XXXX as we just planning with my wife to obtain a loan ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
XXXX, Transunion, and XXXX failed to comply with thirty day notice. Reporting inaccurate information on my 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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/2021 I requested for Lexis Nexis to verify a eviction with the ORIGINAL CREDITOR ( XXXX XXXX ) due to inaccurate information being reported. They have failed to send me any documentation that I requested via mail on the letter. At this point I would like this eviction to be removed from their records immediately due to no response. If it is not removed and they can not or have not provided the necessary documents from the ORIGINAL CREDITOR to verify/validate the eviction per FCRA guidelines this need to be removed from their records immediately.

Company response to consumer: Closed with explanation