vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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:
TransUnion and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on Account Number : 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 2020-09-15 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:
Equifax placed a Fraud Security Alert on my credit report due to their OWN data breach. 

This is causing me to be DENIED credit because Equifax is storing INCORRECT identifying data about ME! I am also receiving mulitple hard inquiries on my credit report, lowering my score ILLEGALLY! 

I tried to remove the Security Alert by a phone call to Equifax today. I could not remove it because EQUIFAX is storing incorrect personal data about me! 

SO frustrating! I need a new refrigerator!! My credit score is above XXXX and I can not get credit because Equifax will not verify my ID when XXXX or another appliance creditor calls! They will not verify ME when I call! 

Equifax will NOT remove the security alert on its website, only by phone or snail mail. I am NOT sending personal documents by mail and waiting months for this to be remedied This should have NEVER happened in the first place!. I NEED to purchase a REFRIGERATOR! Exacty how am I supposed to do this when Equifax refuses to correct thier OWN error?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had problem with Macy 's Credit Card over the limit purchases, as they advertise they won't allow transactions to go through, if dept is over the limit by XXXX $ but they allowed transactions after that up by XXXX $ plus XXXX $ pending transactions ( limit is XXXX ), this destroyed my credit score and got it decreased by XXXX points, this is insane. 
Additionally those XXXX $ + transactions went through after billing statement was ready and balance up by XXXX $ over the limit. 

So statement date was XXXX of XXXX, already above by XXXX $ of what should be allowed, they might say XXXX $ interest charge applied but it still does not sum up. 

Ironically after that, they allowed transactions on XXXX of XXXX. 

They also might say some transactions were pending, this does not make sense, if I by something for XXXX and is pending why should they allow me to purchase another XXXX $ for example. Insane. 

This is fraudulent, because it does not match the advertised service and terms. 

Please see screenshots for better understanding

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
After reviewing my credit report, it was revealed to me that I had many late payments beginning : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XX/XX/XXXX I retired from the military in XXXX and haven't a need to use this card nor was I aware there was a balance associated with my name on it. I was not in receipt of any statements whatsoever.

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 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
XX/XX/2019 {$870.00} I've never done any business with this company. I never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I XXXX XXXX called Upgrade, Inc. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me 30 days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.

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 2020-09-15 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: CA

Complaint narrative:
I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.

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 2020-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
company updated account but still show many errors according the FCRA. 
I will be uploading my Transition credit report to show the payment history errors that prove my case. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent & incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, 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 2020-09-15 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: MD

Complaint narrative:
The U.S.Treasury has been listing false information on my TransUnion and XXXX  credit reports since XX/XX/XXXX. In the Fall of XXXX I tried to have the false information removed from both, but both overseas operation call centers only allowed me to place a 65 word statement on both. 

Complaint # 1 - As time passes TransUnion or XXXX. is changing the " Date Opened '' of the accounts ( 2 out of 4 ), with then changes the " Estimated month and year that this item will be removed ''. 

On XX/XX/XXXX at XXXX XXXX  - TranUnion received by Priority Mail XXXX - 16 PAGES OF DOCUMENTATION INCLUDING A 1 PAGE LETTER directly disputing each account U.S.T. was falsely posting on my report. 

Complaint # 2 - In my written letter I addressed the following : ( A ) - Overdrawn Annual Leave and Recover Taxes owed on salary overpayments - MY RESPONSE INCLUDED - two ( 2 ) attached stubs and checks with VOID wrote on front of both checks, including the words on top right corner stating " VOID AFTER ONE YEAR '' ( B ) - Health Benefit Premium Related XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. - MY RESPONSE PROVIDED - XXXX XXXX XXXX - lower left hand corner - " LAST DAY IN PAY STATUS XX/XX/XXXX and SEPARATION-EMPLOYEE WAS SEPARATED FOR UNACCEPTABLE ATTENDANCE PERFORMANCE. The XXXX. expects me to pay for health insurance after I was terminated, THAT I DID NOT REQUEST AND I DID NOT SIGN AND DATE ANY TYPE OF OFFICIAL PAPERWORK FOR. 

I don't know what part TransUnion had trouble understanding with the provided documents, but according to the Fair Credit Reporting Act - IT CLEARLY STATES - " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information ''!

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 2020-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had a payday loan in XX/XX/2017. I was going through a divorce and many things happened. I exended the repayment daye but it got larger and larger and I could not pay it back. I was waiting for a collections to come through on the account but It never did. I was waiting to see if I could set up arrangements to pay after it wet to collections so I didnt have to pay upfront. I had not heard anything and to be honest forgot about it especially with everything going on, I have been contact by XXXX XXXX, XXXX XXXX phone # XXXX with threats of lawsuit and constable intervention. He wanted me to pay {$250.00} today and make three payments of {$410.00} to settle the account but has provided no documentation or conrete information regarding the settlement of the account and I do not feel comfortable paying him without this information. I want to settle account and also protect myself. The non-payment was unintentional and a mistake. I am willing to set up a payment plan but one that does not heavily affect my livilihood as a single parent. Please advise. I have no documents from ACE Cash Express or from XXXX XXXX XXXX that state the debt or ways to respolve. I have only received calls with threats and unrealistic accomodations to resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: WA

Complaint narrative:
My XXXX credit score reported by Experian is over 100 points lower than the other two bureaus due to what they say is the " serious delinquency '' on my payment history. However the credit reports they keep sending me in response to my dispute show NO delinquencies whatsoEVER on any open or closed accounts. 

My score from Experian dropped over 100 points back in XXXX, and my online account with them says it was due to serious delinquencies on one of my nine accounts. All factors contributing to the score are reported as Exceptional except Payment History. I've been told by phone in XXXX and by letter in XXXX that I can not dispute my score, only my report information. I was also told " the system would reset. '' I believe the error occurred when I suffered a total loss accident ( not my fault XXXX in XXXX on my leased vehicle. The creditor sent me a letter stating I need not continue making lease payments as my insurance company was handling the payoff. When the unpaid lease balance showed on my credit report I disputed the amount and uploaded the letter. Experians dispute center updated my report to show paid ; closed ; never late in XXXX. The two unnecessary payments were reported as ND -- '' no data. '' It is now XXXX. My Experian XXXX score is still over 100 points lower than those reported by the other two credit bureaus, all of which show exactly the same nine accounts. I do not want an inaccurate score to impact my upcoming insurance premiums. 
While this is all minor compared to so many, it's about trust. If this is happening to me, what about others?

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 2020-09-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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:
XXXX and Experian  are fraudulent on my accounts : XXXX XXXXXXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on Account Number : 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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on that money. I am still waiting on VA to pay my claim from XXXX of 2016

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to  file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on  that money. I am still waiting on VA to pay my claim fromXX/XX/2016

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 2020-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: TX

Complaint narrative:
I co-signed my daughters college tuition loan, since her father couldn't and she needed the money for school. Before completing her first year, she dropped out of school. The loan is being repayed by my daughter, myself, and her father. Our personal agreement is that we split the loan into 3 payments.

I am about to make a large payment ( my portion of the loan {$5000.00} ) and we are trying to request that I be removed as co-signer on the account, since my daughter does work full time, has her own apartment and is basically taking care of herself. I am in the process of paying off all my outstanding credit as I am going to begin looking to purchase a new home.

One of the questions on the co-signer release form is asking if we are providing her diploma or a certificate of completion. When calling into  Sallie may and talking to XXXX, she advised that if we do not provide this that they will decline removing me as the co-signer for this loan. 

How can she provided this information if she quit school? How is this fair to the consumers? Why is Sallie Mae not allowing the primary applicant to remove the co-signer at their own request. 

I want to be removed from the loan as a co-signed, but Sallie Mae is refusing to do so. 

Is there any help I can get with this, as the practices seem a little fishy and I believe this is out of scope with government guidelines regarding loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
disputed these inaccurate incomplete & inconsistent items on my credit report payment history, Uploading XXXX  & XXXX  credit report that shows the errors & the inconsistency and incomplete is a violation, why is it so different if you get your information from the same creditor. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent and incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Capital Solutions LLC
State: CA

Complaint narrative:
A family member was contacted by Orion Capital Solutions regarding a debt for me : I'm not aware of who they are or what they are referring to. I have not been contacted by them before and I find it concerning that they are contacting family members and possibly my employer without contacting me and without my consent.

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 2020-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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