vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 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: AZ

Complaint narrative:
Hi I am filling this complaint against Experian because they are in constant violation Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

I have asked them two times to verify a XXXX account. They said they verfied this account accordingly. But I argue XXXX said they don't have this account and was sold to a collection agency as you can see with the letter I have attached. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be 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 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Request to update personal information with handwritten letter regarding my identity and I havent received a phone call, email or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I RECENTLY APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT UNDERSTAND WHY I WOULD BE DENIED BECAUSE MY INCOME, RENTAL HISTORY AND CREDIT IS UP TO STANDARD. TODAY I CHECKED MY CREDIT REPORT WHILE DOING SO I SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: TX

Complaint narrative:
I mailed 3 letters certified to all credit bureaus stating that I was not late on 2 businesses. However, after I mailed the letters I contacted the business establishments myself and mailed them a copy of my bank statements showing that I was not late on any payments with them due to my grace period I have with them. XXXX XXXX as we as XXXX XXXX XXXX XXXX XXXX stated they would update their information. I received my report back from XXXX showing they updated, but as usual Experian are liars and did not even do an investigation but yet said they did and did not remove he lates showing on my report. Please have them immediately update their records and if I am at all able to file suit against Experian I would like to do so. I have also sent a copy of the report from XXXX and the letter from Experian. I had told all bureaus I had a grace period of 10 days with XXXX XXXX and 6 days with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . However, I had until the XXXX of the month until my mortgage was considered late.

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 2020-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a Guitar Center card through Syncrony Bank. I placed an order on XX/XX/17 that I cancelled around the end of XXXX because GC refused to give me a ship date. Around the end of XXXX I noticed that the hold was not released to my Synchrony account. I have contracted both them and Guitar Center at least half a dozen times since late XXXX and the have not restored to balance of my credit account to what it was before the hold.

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 2020-07-05 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: FL

Complaint narrative:
As of XX/XX/2020 XXXX XXXX said they would request their information be removed, CFPB ID XXXX. 

I called and talked with Equifax XX/XX/XXXX or XXXX, 2020 the Representative stated that it was removed and would send me a credit report stating this, it would take up to 15 days. 

I ran my annual free credit report XX/XX/2020 and see that XXXX XXXX is still listed. 

Also I filed a dispute with Equifax about this matter the first of XXXX and on XX/XX/2020 and they said this collection was valid but on XX/XX/2020 XXXX told CFPB and me they would have these removed seems to be a conflict in statements to federal agencies a U.S Citizens. This seems to be in violation of the FCRA. and has caused me harm. 

I have not lived at the address in question for over 5 years, Equifax knows this via there knowledge of my address, they use my past and current address for verification steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Pintor Partners, LP
State: TX

Complaint narrative:
I do have a personal loan with Barri Finance Co. located at XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX. On XX/XX/2020 I was visited by Mrs. XXXX, the manager, requesting the payment of the loan. I told her that I had called them previously requesting their consideration to place me under the Covid-19 program to give me a prorogate to make the payment as soon as I receive any income since I am not working yet, but I would be going to Barri Office to make a payment by XX/XX/2020. When I made the payment of {$100.00} she stated I do have {$30.00} late fee charged for the months of XXXX, XXXX and XXXX. I told her that according the Covid-19 program no charges will be done, but she said that Barri Finance Co. has the policy to charge late fees even that Covid-19 program is in effect. I have been doing the payments. I do have until XX/XX/XXXX to make the payment of this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried to use XXXX  app for money saving and PNC would not allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AZ

Complaint narrative:
Hi I am writing this complaint on EQUIFAX. They both said they verified a XXXX/XXXX  funding on my credit report. 

I would like to argue they verified this properly because XXXX told me to ask for paperwork from XXXX. All XXXX sent was a statement saying I owe money. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: WV

Complaint narrative:
The bank promised that they would waive the {$25.00} early account closure fee for the checking and savings account since I had trouble receiving and activating my debit card. When the account was closed, however, I received a notice that they did charge me {$25.00} on both my checking and savings account, going against their previous promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS

Complaint narrative:
I opened an HSBC Premier checking account on XX/XX/2020 under a promotion called " Share the Experience '' whereby I would receive a {$500.00} and my brother ( XXXX XXXX-the referrer ) would receive {$100.00}. This would be done with a referral code provided by my brother. My brother 's code that I used is XXXX. My brother has already received his {$100.00} bonus within the promised timeframe of 8 weeks of my account opening date, however I have not received my bonus as of XX/XX/2020. HSBC has now surpassed their promised timeframe for providing my {$500.00} bonus and I am requesting they remit the bonus to me as promised. I will provide a picture of my brothers referral code and the link to this referral program. 

Link : https : //www.us.hsbc.com/share-the-experience/share-the-experience/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I RECENTLY APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT UNDERSTAND WHY I WOULD BE DENIED BECAUSE MY INCOME, RENTAL HISTORY AND CREDIT IS UP TO STANDARD. TODAY I CHECKED MY CREDIT REPORT WHILE DOING SO I SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED 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 2020-07-06 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: AR

Complaint narrative:
I RECENTLY APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT UNDERSTAND WHY I WOULD BE DENIED BECAUSE MY INCOME, RENTAL HISTORY AND CREDIT IS UP TO STANDARD. TODAY I CHECKED MY CREDIT REPORT WHILE DOING SO I SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED 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 2020-07-06 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: AR

Complaint narrative:
MY IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX {$290.00} XXXX  XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
MY IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}

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 2020-07-06 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: AR

Complaint narrative:
MY IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$290.00} XXXX  XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}

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 2020-07-06 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: KY

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I AM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY CREDIT REPORT THSE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXX   XXXX {$380.00} XXXX XXXX  XXXX {$1800.00} DPT ED XXXX XXXX {$6000.00} DPT XXXXEDXXXX XXXX {$2200.00}

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 2020-07-06 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: AR

Complaint narrative:
I AM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY CREDIT REPORT THSE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXX   XXXX {$380.00} XXXX XXXX  XXXX {$1800.00} DPT ED XXXX XXXX {$6000.00} DPT XXXXEDXXXX XXXX {$2200.00}

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 2020-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX, and financed {$19000.00}. I have been making bi-monthly payments of {$220.00}. I have made 33 such payments, every single one on the day that it was due, for a total of {$7500.00}. 

As of today, XX/XX/XXXX, the payoff on my loan is {$19000.00}. 

The loan is financed through Bridgecrest XXXX. I would like to have this issue investigated, please. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: KY

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: KY

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am unable to use XXXX to transfer money to others. When I click on " Pay '' in XXXX and then select my PNC Bank account it says " PNC has made change that prevents you from being able to link your accounts ''. I did call PNC and they couldn't fix it. They said the issue is due to XXXX  but everything looks clear from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have called the Credit Card company, XXXX XXXX & now Midland Credit Management to resolve this. I was not provided the written information I asked for ( I had been through a divorce & wanted written statements so I may review and contact police if necessary ). 

Midland Credit Management has contacted me up to ten times a day. They contacted numerous family members, including my father on XX/XX/XXXX, who is recovering from XXXX  events and was upset and worried when he contacted me about the incident. 

Today was the second time I contacted them in the hopes of procuring the information I needed ( statements ) and was met with the same degree of disdain as from my first call. Something about " their lawyers '' was mentioned in a threatening manner. They provided transaction information from XXXX & XXXX, pointing out a returned payment ( which was due to fraud on my checking account in XXXX ) which was in no way helpful to me. XXXX XXXX, the agent I spoke with today, was demeaning and brought up " their lawyers '' and kept dissecting my statements and turning them back on me as questions, " So you're telling me you're disputing this? '' I told him I had nothing to dispute because I needed paper statements. 

Something as simple as my calling to get information to resolve this account was turned into a heightened, angry, altercation. 

I told Mr. XXXX of Midland Credit that I was reporting his company to the FTC. Over the past 3 months, I have resolved many different credit issues that resulted from my divorce in XX/XX/XXXX and I haven't had any conversation that devolved into this kind of demeaning coercion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I AM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY CREDIT REPORT THSE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXX   XXXX {$380.00} XXXX XXXX  XXXX {$1800.00} DPT ED XXXX XXXX {$6000.00} DPT XXXXEDXXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation