vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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: PA

Complaint narrative:
I have notified Experian 5 times that an account they placed on my credit report does not belong to me. I did not ask Experian for a credit boost. I did not submit any documents to Experian so they can place an account on my credit report for a credit boost. I already have enough credit so I would never submit a request for a credit boost. This could be an account that belongs to my father since we have the same name

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 2020-04-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I discovered I was a victim of identity theft and after doing a police report I was advised to reach out to any sites I may have online rather my bank or what not. So I did and I also was advised to dispute any unauthorized charges that I didn't make or benefit from a few places were easy to deal with except NetSpend I reached out Everytime I saw a charge, even going backwards to when we think the fraud begain. I told NetSpend about the I'd theft and advice I was given about reporting I sent evidence of the notice of I'd theft and yet they still denied my disputes and kept saying the checked and charges were valid and I told them just because a merchant says a transaction took place doesn't mean it was done by the actual account holder. Yes I erred in writing my pin real small on back of my card on the stript. Two years ago I was injured in a car accident and the XXXX  has caused slow recall, forgetfulness and so I have to write things down. I just want my money back but now they closed my account and only sent me my money I had in my account but nothing from the disputes I filed. I already felt violated by the i.d . theft but to add this in top just made my XXXX  and feeling of violation of privacy, invasion worse

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 2020-04-05 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: PA

Complaint narrative:
The credit bureau placed an aged account on my credit report from XXXX XXXX without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was verified

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 2020-04-05 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: PA

Complaint narrative:
The credit bureau placed an aged account on my credit report from XXXX XXXX without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: PA

Complaint narrative:
The credit bureau placed an aged account on my credit report from XXXX  XXXX  without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was ve

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 2020-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
BRANCH BANKING & TRUST BANK ROUTING XXXX account # XXXX DATE OPENED XX/XX/XXXX CLOSE DATE BY XXXX BRACNH MANAGER XX/XX/XXXX my XXXX XXXX XXXX  states XX/XX/XXXX a lie. Everything on this account, I called XXXX Specialist ID # XXXX a XXXX XXXX XXXX. XXXX ( XXXX ) XXXX Who didnt care I was called XXXX BY XXXX XXXX XXXX , NJ BRANCH. XX/XX/XXXX XXXX XXXX BB & T card based services who stated she called me which she didnt. How can I call Them when u need a PIN number to speak to a rep? The credit card which was stolen and used by my landlord XXXX No activity on my credit report. I went into 7 different branches in Nj just to be told my account is closed. Im XXXX in pain XXXX. When I left the XXXX branch in XX/XX/XXXX. I called customer service after the XXXX XXXX Branch manager closed my account right in front of me. The two charges by scamming XXXX of XXXX XXXX, Nj {$1500.00} a lemon and scamming XXXX XXXX XXXX, {$3500.00}. XXXX XXXX XXXX SUNDAY CALLED ME A XXXX AS WELL. YES, XXXX  NJ. Not in XXXX XXXX XXXX & beyond. I will not be called a 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 2020-04-05 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: AR

Complaint narrative:
Its been over 9 months since I have been going back and forth with Experian over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Experian but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.XXXX  XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX, 6. Ch XXXX Bnkrptcy # XXXX, # XXXX, Ch XXXX Bkrptcy # XXXX. There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Experian has clearly violated my rights as a consumer under sections 605b, 609, and 611.  These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Experian and will provide if necessary.

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 2020-04-05 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: GA

Complaint narrative:
I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account number is 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 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover closed my credit card account XX/XX/20. They stated that I hadn't used the account in 6 months. I called and emailed Discover and asked them to reconsider their decision. Haven't gotten a reply. I have used this card in the past and was never late on payment.This closing of my account will most likely effect my credit score. Which is something that may effect other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: GA

Complaint narrative:
I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account Number is 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 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: OR

Complaint narrative:
I went to buy a car on XX/XX/2020 and the dealership ran a credit check with XXXX XXXX. XXXX XXXX ran my credit score and XXXX  had me at XXXX and Sage Stream, LLC. had me at XXXX. 

I researched and read reviews online and I found that Sage Stream, LLC. wants personal information to dispute and I don't want to give it to them if they are a fraud company, so I figured I would file a complaint with the Consumer Financial Protection Bureau to protect myself first. 

There is no way they can be on an island of their own over 300 points away from the other reporting agencies, I don't understand how they can be a reporting agency if this is what they are doing. Regardless, please look into this company because several others on XXXX XXXX at the link I have provided ( XXXX XXXX XXXXXXXX ) seem to have the exact same scores, so Sage Stream, LLC. just gives the same score to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I requested my annual credit report from SageStream via their own website and uploaded my valid New York State driver 's license that has all of my current information on it as instructed. Instead of my credit report, I received a letter from SageStream dated XX/XX/2020 advising that my valid New York State driver 's license with my current information was not acceptable as SageStream was unable to verify my identity. This same letter requests that I forward my valid New York State driver 's license with my current information. I am filing this complaint because I have already submitted all required information and documentation and want a copy of my credit report to ensure there isn't fraudulent activity occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX Equifax unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at Equifax. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: AR

Complaint narrative:
Please be advised this is my 2nd attempt in trying to resolve this matter. Experian claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1.  XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX  # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Experian has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.

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 2020-04-05 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: AR

Complaint narrative:
Please be advised this is my 2nd attempt in trying to resolve this matter. Equifax claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX   # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and XXXX  has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.

Company response to consumer: Closed with explanation