vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
XX/XX/2019 I could not take it anymore a mobile deposit initiated by a person online by the name of XXXX XXXX XXXX XXXX had for 8 months requesting of my ID, social security number, work, bank information. I noticed that he had initiated with his contacts online which he claims are Hackers and that he is being monitored. The checks on XX/XX/2019 were the cause of XXXX XXXX XXXX I tried to reach him and ask if you are under investigation, you claim to be this person why have you not contacted authorities but I have no confirmation. This online reassured me that everything with his status and funds, accounts were perfectly legal. Unfortunately with an account with all of my information caused counterfeit checks through this XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: IL

Complaint narrative:
In XX/XX/2018, I filed an identity theft report with my local police department about several items on my credit report that I did not authorize. I contacted Equifax to inform the company of the problem. I challenged the information and submitted all pertinent documentation to prove my cause. It clearly showed that the information on my credit report did not match my identity of my place of living. I explained to Equifax that someone had gotten hold of my personal information and used it and opened accounts in my name. Equifax has continuously failed to remove the account on my credit report and it is hurting my score, credit opportunities and my total credit health. The account is XXXX XXXX XXXX. It is an auto loan and the car dealership that sold the vehicle in my name is no longer in existence. I did contact someone from the company and they verified that the car was in my name. So, I got all of the information on it, looked it over and ran a search on it to discover that the car was a totaled vehicle. Meaning that someone had purchased it from a junk yard and put it back together and resold it which is illegal in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
It was a XXXX XXXX XXXX on XXXX and XXXX who initiated the opening of the account for Sun Trust. I thought with credentials, reputation I could trust him. He has all of my information Social security number, ID, address, work address, this person has all of my information. I was the one to find it strange and contacted Sun Trust bank and investigation report number they gave me XXXX XX/XX/2019. It was odd for me. Sun Trust was no where near NY. I asked this XXXX XXXX XXXX XXXX XXXX if you see issues going on and you know the situation why have you not contacted authorities to report what you initially started. If you are being monitored and hacked then why not report the issue if you are under investigation. I got no response

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On or about XX/XX//2018 I was shopping in a XXXX XXXX XXXX store. The cashier stated that if I gave her my DOB and SSN she would enroll me in a club that would provide me a store discount. She never stated credit card. She never stated my credit bureau file would be accessed. I gave her the information she requested. 

Both my XXXX and XXXX credit reports show an inquiry from XXXX XXXX / XXXX. I never authorized this inquiry. XXXX XXXX never had permissible purpose to access my credit bureau reports. 

The sales person lied and did not state this was actually a credit application. She only stated I would be joining the XXXX XXXX XXXX. 

In spite of the fact that XXXX XXXX illegally accessed my credit bureau reports, they never sent me the results of the credit application. They never sent any credit card. They never sent any adverse action notice or ECOA notice. This is also illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: TX

Complaint narrative:
I WAS INCARCERATED SINCE XXXX released XX/XX/XXXX I have uploaded, faxed, mailed my police reports Time served paperwork and released date of prison.i would like this resolved it's been over 30 days I honestly feel I am being over looked at because of my incarceration. I should only have my vehicle loan on my credit report ( XXXX XXXX ) This is unfair and I would like this resolved or I will consider filing grievances thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
My XXXX credit bureau report shows inquiries buy XXXX on XX/XX/XXXX and by XXXX XXXX  on XX/XX/XXXX. 

At the time of those inquiries, my XXXX  credit reports were frozen as described by the FCRA. 

XXXX  illegally allowed entities with which I have never done business with to access my reports.

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 2019-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
The Truck from American Credit Acceptance was repoed, but in there system it says they dont have the truck .Then on my credit it says repoed and a balance of XXXX.If I don't have the vehicle because they took it, then how did they come to a balance of XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: FL

Complaint narrative:
XX/XX/19 Equifax freeze management has been down for over 24 hours during business hours. I've called numerous times and the agents just say the system is updating. 
How can this company keep my personal and private data without my permission or control? They can't keep it secure and they seem to have an anemic IT department incapable of providing the security and availability to my sensitive data. They should lose their right to keep my data. They have no government oversight and no obligation to those whose data they store. Essentially, they answer to no one. 
If I were entrusted with keeping my clients data safe, I would be fired, based on their performance. What are you doing to fix this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
At the time of the identity XXXX gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring

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 2019-02-09 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: Westlake Services, LLC
State: FL

Complaint narrative:
I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from west lake finiacal that I never recieved if you read the dates on the loan and call west lake finiacial they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I purchased a mattress from XXXX XXXX in XXXX of XXXX. The balance remaining was financed by Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA. 
I have spoken with upper level of management and then the CCO in finance of this company, XXXX at the time in XXXX speaking with her again about not getting any information in XXXX of XXXX in my emails or physical address. I did however get a letter regarding a late payment in XXXX of XXXX and did not come to my address but to the address of where the merchandise was delivered to. 
While at the store ( XXXX XXXX  where the merchandise was purchased ) I had asked that I needed the Truth In Lending Statement, and any other loan papers for this transaction. I was given only the Sales receipt and the name of the company financing this purchase. 
To date I have not been sent a Truth in Lending nor any kind of financial document relating to this purchase. 
This loan had special circumstances, when principal was paid within a year there was No Interest charged until then. At the time of purchase, I asked what the payment system would entail. XXXX XXXX had said it was a No Interest calculated for one year from date of purchase. I then asked who would be sending me the financial paperwork, TIL if there were monthly payments or can I just pay it off in three to four months. I was told Tidewater Finance Company would email or send me the paperwork. I have to this day never received any paperwork from Tidewater Finance Company. They had all the correct information to email, physical address, phone number, transferred from XXXX XXXX and when my financial and personal information was run to get the loan from them in the first place. 
I am not inferring that I don't owe this company what I purchased. I want them to be accountable. Deliver information that is mandatory to enter into a contract all the correct paperwork, firstly the Truth In Lending Statement. Not at any time currently that I have nor should there be one by them as it would be a fraudulent as I do not posses a TIL nor any other type of paperwork from Tidewater Financial Company stating Principal balance. APR, etc ... a Truth In Lending Statement includes. 
Contact with XXXX and other financial personnel have been fruitless as to finding a solution. I am concerned that guidelines of financial companies are not being followed. There are others who have been I feel swindled by this company. Not following finance or upholding the laws and guidelines of a financial company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis
State: OR

Complaint narrative:
I have recently obtained a copy of my Innovis credit bureau report. This report shows in inquiry dated XX/XX/XXXX by XXXX XXXX XXXX XXXX. 

My Innovis credit bureau report has been frozen as allowed by the FCRA since XX/XX/XXXX. Although frozen, Innovis illegally allowed access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
At the time of the identity DEF gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring

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 2019-02-09 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: NY

Complaint narrative:
At the time of the identity XXXX gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX-XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX  until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.

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 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX   until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
On XX/XX/2018 I applied for an Ally Bank credit card. On XX/XX/2018 XXXX XXXX accessed my XXXX credit bureau report. 

Subsequently XXXX XXXX sent me a letter purporting to be an Adverse Action / ECOA Notice. This notice, required by law, must describe the real and actually reasons why my application was denied. Instead, Ally Bank subtitled untruthful, fraudulent reasons. 

XXXX XXXX simply regurgitated word for word the four factors that FICO Score uses when describing why one 's credit score is not higher than it actually is. 

For example, FICO stated my credit score was only XXXX because : Lack of recent installment loan information XXXX XXXX stated my application was denied because : Lack of recent installment loan information XXXX XXXX 's actions do not comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: FL

Complaint narrative:
I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently filed a dispute with XXXX  because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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:
I recently filed a dispute with Experian because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the Experian report number is XXXX please help me get this item removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: FL

Complaint narrative:
XXXX has still not been deleted from my reports.

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