vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 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, XXXX, and Experian are repeatedly showing incorrect information regarding an open XXXX XXXX  account, a closed XXXX XXXX, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX  XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ).  Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX DBA XXXX  ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX   XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) 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 2020-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX   to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX  bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.

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 2020-06-27 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:
Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was XXXX XXXX. The debt was sold three times to ultimately XXXX  in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When XXXX took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please help.

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 2020-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I got my XXXX XXXX in XX/XX/XXXX for {$14000.00}, APR 23.23 % for 72 months, from Consumer Portfolio Services.. I've paid 90 % on time payments. I still owe {$9800.00} I've paid {$12000.00} in interest fees. I even was making extra payments {$200.00} a week and none of it was going to principal.. All my payments are going to the finance and not the principal. I've asked when my loan will be paid off they won't give me an end date. They say they're extending my contract to 96 months, even with that there's no way my loan is going to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay 's, the bank behind my XXXX Mastercard, promises three months of payment waivers due to Covid 19. 
I was enrolled in this in XXXX. However, due to them not responding to my queries regarding, my XX/XX/XXXX payment of {$29.00} went through. I also paid the same amount in XXXX while I still had funds. 
I did not pay my {$29.00} minimum required in XXXX and XXXX. At this time, funds were running out for me. 
As I only got to skip two payments, I contacted them this week for confirmation that despite the norm ( skipping XXXX, XXXX and XXXX payments ) in my case I would be able to skip XXXX, XXXX and XXXX. 
What was very strongly implied when I spoke to a representative from Barclays last night was that, because I was enrolled in XXXX and then paid in XXXX, I would only be able to skip two payments. 
What IS written is that the payments must be consecutive as mine would be. Nowhere does it say that it must be certain months only. 
All I am asking is that I get to waive the promised three payments ( in my case XXXX, XXXX and XXXX ). So I want to skip my third payment in XXXX as offered to me according to their provisions for Covid 19 relief. 
I hope you will see what I do ( and they do not ) that this is unfair and not keeping with supposed help they extend to their impacted customers during this difficult time.

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 2020-06-27 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I contacted U.S Bank because due to the COVID-19 pandemic I was going to need additional time in paying my car payment in the amount of {$620.00}. 
After waiting on hold for nearly two hours the representative instructed me that the payments would be placed into a forbearance period for 30 days and this would not cause a late being placed being on any of my ( 3 ) credit reports.On XX/XX/2020 I discovered that U.S Bank  notified all 3 credit bureaus that i was late on my XXXX car payment. After seeing what U.S Bank did in error I immediately contacted U.S Bank and initiated a dispute.On XX/XX/2020 I contacted them again to discover the findings of the dispute I initiated and i was instructed by a customer service representative that my dispute was denied when i asked for a reason or explanation they instructed me that they do not provide a reason or explanation for their denials.

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit file I noticed that XXXX is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2020-06-27 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS.  On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I would just like to login to my PNC online banking through this app called XXXX  and it will not let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: EOS Holdings, Inc.
State: TX

Complaint narrative:
After reviewing my credit file I noticed that EOS is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: WA

Complaint narrative:
PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: WA

Complaint narrative:
PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.

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 2020-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, and XXXX are repeatedly showing incorrect information regarding an open XXXX XXXX account, a closed XXXX XXXX, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX   XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ). Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX  DBA XXXX  ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) 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 2020-06-27 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: TX

Complaint narrative:
XXXX, Equifax, and XXXX are repeatedly showing incorrect information regarding an open XXXX XXXX  account, a closed XXXX Credit, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ). Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have recently received an email and a letter claiming to be from American Express. Both the email and the letter are totally and completely untrue. I would like to report being lied to by American Express. I have attached both documents for your review. Both pieces of correspondence relate to a Bluebird account AmEx turned off on XX/XX/20. As I type today, XX/XX/20, the card STILL DOES NOT WORK, the app on my phone STILL DOES NOT WORK, and the AmEx website STILL DOES NOT WORK. I do receive an email every Sunday telling me how much money there is out there with my name on it that I am not allowed to use. These emails strike me as being a little perverse and cruel. Thanks! Stay Safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: FL

Complaint narrative:
I was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. Experian received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX  removed 2 collection items so far ....

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 2020-06-27 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: FL

Complaint narrative:
I was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. XXXX received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX removed 2 collection items so far ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made 2 withdrawals from a Santander. Bank ATM in XXXX MA XXXX store ( has their logo on it and is verified as theirs ) on XX/XX/ Tuesday. I withdrew {$400.00} and {$60.00}. This indeed came out of my checking account with this bank Santander. {$260.00} of that amount was fine. {$200.00} of that money was deemed counterfeit by XXXX XXXX XXXX on XXXX XXXX XXXX XXXX MA XXXX on XX/XX/XXXX. I am now out {$200.00} because that money that was disbursed by this bank 's ATM vendor ( their vendor so their issue to assist me ) was taken out of my account but is not valid money. This is not my fault and is not fair as I never filed this claim prior to all my years banking so I am not trying to scam or get money that isn't mine. To get this rectified, I called Santander Bank customer service ( 2 hours of working with them ) on XX/XX/XXXX. They opened claim XXXX. I called back on XX/XX/XXXX to check status. Find out it is denied. Have this escalated with customer service rep XXXX this day, he expedites and escalates to his manager XXXX in claims who is working with manager of Investigations team. New claim number is XXXX. Call back to check status XX/XX/XXXX. Find out denied again. Work with XXXX in claims again XX/XX/XXXX under claim XXXX for this same issue. I advised if they can not assist me, I will be moving all my accounts to a local credit union ( my checkings account, my credit card that I paid off with Santander, my husband 's account ). I am a good person with a good record. I am a hardworking tax paying citizen. I always want to do what is right and I never have tried to harm or scam anyone in my life. My past will show this, my bank records show this. I am not asking for anything back that is unreasonable. I just want the money that was counterfeit because it was taken out of my account.

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