vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: FL

Complaint narrative:
Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : FHA real estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX  Account Type - Detail : Educational Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}

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 2021-05-04 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: FL

Complaint narrative:
Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : XXXX XXXX estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXX High Credit : {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX Account Type - Detail : Educational Date Opened : XX/XX/XXXX High Credit : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$4500.00}

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 2021-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Received auto loan with high interest rate from Santander Consumer USA XXXX for a 2016 XXXX XXXX. Made XXXX XXXX monthly payments for over 4 years. Original Loan amount was {$33000.00} and made over {$40000.00} in monthly payments. when I got payoff of loan and tried to work with company to resolve with account being paid in full. I went to sale the vehicle and suddenly car was repossessed from Santander Consumer Usa. I called repeatedly and was given the run around about the situation. They then sold the car for $ XXXX and now are telling me owe XXXX balance on vehicle. This would make the XXXX XXXX {$40000.00} in payments plus the XXXX received at auction plus the XXXX they saw now I owe {$76000.00} for a basic XXXX XXXX! In addition, I can't get another vehicle because they reported on my credit report as such. This kind of predatory lending has to stop as it is affecting consumers. I lost my job as a result of no car. I tried to resolve before the repossession. Additionally the attorney general have gone after Santander XXXX XXXX and has forgiven the loans and given titles to vehicles and removed the accounts from credit reports. I am asking that this account be removed from all XXXX credit reports at a minimum as this is unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: IN

Complaint narrative:
When I viewed my credit report I noticed it contain fraudulent item. Negative accounts impacting my credit score which is hindering me from my biggest purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent equifax a certified mail letter on XXXX. Till this day they never responded to me. I am stressed that they failed to respond and its been over 45 days. 
Equifax is in violation under XXXX XXXX XXXX, they are reporting inaccuracies and unverifiable account on my credit report. I am requesting the removal of all disputed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. 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 2021-05-04 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
On XXXX my wife and myself were going to re-new our passports with the US State Dept. through XXXX XXXX. On XXXX we decided to cancel this order as we are elderly and probably will not travel. I contacted XXXX XXXX  via e-mail and informed them of our decision. XXXX XXXX  ignored our communication and posted two charges of {$49.00} to our Barclay card onXX/XX/XXXX.I contacted Barclay Card and filed a billing dispute. Case number XXXX and XXXXOn XXXX Barclay sent me a letter that they ruled in favor of the Merchant. On XXXX I sent Barclay a letter that we never received the merchandise we paid for as we canceled the order. I am not required to pay for an item I never received 15 USC ss 1601.Barclay has since sent me a statement that I must pay {$98.00} plus interest.

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 2021-05-04 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: PA

Complaint narrative:
I am a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX  Reported : XX/XX/XXXX+ {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 am a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX Reported : XX/XX/XXXX + {$350.00}

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Purchase floors for my house in my home with my home depot  credit card that was in good standards for over 5 years and then all the Sutton they said I applied for a promotional rate Which have my credit bill go up to {$3000.00} finance in one day and put me behind my payment after having a car for over 5 years of no late payments paying as agreed. This caused my very good standing credit score to drop over XXXX points within one month because of the actions of this credit card. They took me to court and lost the battle. I only have to pay the original amount that was on the card for the floors Which is paid off now and I want them to be removed 100 % of my credit score they have been dragging me down for 4 years now. Im still having problems trying to get them to remove or update the credit as paid in full and remove the late fees. The balance that was due from the court order has been settled and now it is paid in full. The amount for settlement was around {$5000.00} & is paid in full within a year. Thank you

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 2021-05-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
I applied for a Discover Card and got approved on XX/XX/XXXX. I got approved for {$1500.00}. So I received my card I was using it everything was fine until up until XXXX XXXX, XXXX when they decided to close my account due an ID Verification issue they said it was because of a duplicate social security. On XX/XX/XXXX. XXXX they sent me an email asking for that I sign over the IRS Consent Form 4506-C to them in which I did. I went on the website sent it over to them. 

Then a couple days later on XX/XX/XXXX Discover Corporate Security sends me a letter saying the closed my account. 
I called Discover to get reopened they said they cant and then gave me an excuse of a duplicate social security. They said I had to write to Discover Protection Services based out in XXXX XXXX. 
Name Social letter describing what issues Im having its like dont you know what going on of course they do. They just dont care about ruining peoples credit who are the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management has agreed to settle {$2100.00} for account ending in XXXX " WHEREAS, Defendant incurred certain debt related to a XXXX XXXX / XXXX account identified by account number XXXX ( the Debt ) and MIDLAND CREDIT MANAGEMENT XXXX INC.s account number XXXX and the Internal Legal Account Number XXXX ( the Plaintiff Account ), '' Midland has agreed to take all negative reporting information off my personal credit report on XX/XX/2021. So far, it still remains - so I ask that Midland take all negative marks off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I wrote Amsher Collection company on XX/XX/2021 asking them to validate this XXXXl debt. I let them know that under FDCPA, I have a right to request validation of debt that they say that I owe them. It was a breach of security because I do not have any contractual obligations which is binding me to pay this debt. I ask them to delete this from my credit profile and they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like i'm being really taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I look over my credit report Experian its reporting closed account for XXXX account XXXX is reporting open account, I know both could not be right I sent both of the companies a letter for Disputes they both sent back saying they are Accurate, I read under the Fair credit reporting Act theses Agencies must report 100 % accuracy On your credit report They are not in compliance to the federal law Now I am asking for deletion of my credit report profile

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 2021-05-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: CA

Complaint narrative:
My wife purchased two money orders from the PLS XXXX XXXX, California location on XX/XX/2021 at XXXX. Both money orders were purchased with cash, in the amount of {$1000.00} each. These particular money orders were different than the ones we were use to receiving from this specific PLS location. It appears PLS has eliminated their association with XXXX XXXX in terms of processing money orders and instead have taken to processing the money orders directly as a business. 

One of the {$1000.00} money orders was mailed to our landlords in XXXX XXXX for our XXXX rent ( XXXX ). The other money order, we currently still have in our possession ( see attachment ). Our landlords have made mentioned that they have not received our XXXX rent payment ( which was the money order that was purchased from PLS in XXXX XXXX XXXX. 

I called PLS of XXXX XXXX and was informed in order to receive a refund/reimbursement, we needed the receipt and stub of the money order. I did give the PLS agent the money order number, which she did a trace on and it has shown as NOT cashed of yet. We have the receipt of purchase, showing the money order numbers, but we can not find the money order stub for the one that has been lost/stolen in the mail. 

On XX/XX/XXXX, I submitted an online notification through PLS ' web site at XXXX, with the above stated information, but that web submission seems to have fallen on deaf ears with PLS. 

When the money orders were purchased, my wife was not informed that she needed to keep anything in particular in order to receive a refund, in case of a lost or stolen money order. My wife however, has kept the receipt as proof of the transaction. It has been frustrating, embarrassing, and difficult that our XXXX rent has not been paid to our landlords. But, it has been even more frustrating that PLS is not being accommodating for our lost money order DESPITE the fact that the money order has NOT been cashed. On XX/XX/XXXX, XXXX XXXX operator ID # XXXX XXXX reached out from PLS and informed me that PLS would NOT refund the money, despite the receipt I had, BUT, I could put a stop on the money order from being cashed. 

So now, PLS is holding our money, despite me verifying that I have a receipt for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax keeps changing the " Date Reported '' on all of my old ( paid-in full ) closed accounts. Equifax has been doing this for years. I filed a complaint with them in 2017 and they didn't fix the problem then and they are still doing it. I just viewed my current credit report and they changed the " Date Reported '' again on all of my old ( paid-in full ) closed accounts. They changed the " Date Reported '' to XX/XX/2017 even though these accounts have been paid-in full and closed for 16 years. These accounts were closed 14-16 years ago then there should not be any activity / reporting for any of these old ( paid-in full ) closed accounts. These accounts should not be listed on my credit report since they are over 10 years old since they were closed. Equifax keeps changing the " Date Reported '' because it keeps these accounts listed on my credit report. They are being deceptive by changing the " Date Reported '' on old closed accounts in order to keep them listed on my credit report. Equifax has refused to fix this issue for the past 4 years and they continue to change dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1700.00} -This is not my account. 

XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation