vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: TX

Complaint narrative:
I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

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 2020-05-20 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:
Remove information listed on my FTC reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 & 60-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 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 2020-05-20 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: NY

Complaint narrative:
my name is XXXX XXXX, I am a person not a credit repair company or credit person which transunion accused me of being. what I am is a victim of 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 2020-05-20 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-05-20 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 {$1400.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-05-20 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:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: LA

Complaint narrative:
There are old items still effecting my credit score. Regardless of exceptional payment history, the XXXX and TransUnion scores never increase to the accurate scores.

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 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
To who it may concern, I XXXX XXXX have a title loan for {$2500.00} with XXXX XXXX I already paid {$1100.00} now need pay {$1300.00} that is remaining owed for my loan plus {$620.00} Which I am will to pay for the principal and interest. Now apparently I owe around {$4000.00} on just daily interest fees. I am suffering financially due to the Covid-19 pandemic and XXXX XXXX has exploited the vulnerability of my already in financial difficulties and is using predatory practices to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc
State: MA

Complaint narrative:
Here is the complaint : Harley Davidson Financial just called me during a pandemic to collect {$2.00} cents on a loan that has been paid off for months She said my past due amount was XXXX dollars and XXXX XXXX cents ... .. and would I like to take care of that today? Can you believe a finance company would do this? If you use this lender you will not get your title unless you hire a lawyer and drag them into court. It's about time that the Predatory Lender, Harley Davidson Financial used by XXXX XXXX XXXX are exposed for what they really are ... Can you imagine denying someone a title after 84 months of XXXX, because of {$3.00}. on an 84 month loan at 25 % that was paid in full! 

Then calling during a pandemic to torture the customer even more using harsh collection tactics with not an ounce of compromise. Could not reach anyone at customer support since XX/XX/XXXX. They charged me 11 late fees of {$35.00} on an outstanding balance of $ XXXX dollars and XXXX XXXX cents. The representative told be they deliberately give no power to the CSR 's that call to collect the trumped up charges. These people are bad people that hire unsuspecting workers to carry out their sadistic torture. My original review was written over a year ago ( XXXX ) on XXXX and this is the update of the torturous last year XXXX I have had with them. Nothing has been resolved, they just keep adding money because they know no matter what people say, you're going to use them, " because you just have to have that motorcycle '', they know this ... It's going to cost me {$1800.00} to hire a lawyer and have a judge rule in my favor. What a bad look for a company, during a pandemic, XXXX, when people are dying. Why don't I pay the shake down money? Why wouldn't a company agree with a customer after 84 months and paying off the loan? Instead they're sticking to the plan to criminally extort monies from borrowers that are not owed, with no ability to challenge the three dollars owed. They're untouchable. The most unfriendly, torturous people in business. Thank god they were stupid enough to send me a bank statement saying I owed three dollars and are going to charge it off, show more late 's on my credit? Threats, that is all I get from Harley Davidson Financial I'm  going to the Massachusetts Banking Commission and filing a complaint against these bad people 'Harley Davidson Financial '' ... ... During a pandemic? Really? implementing the three dollar shake down?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 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:
Yes, I have disputed several inaccuracies on my credit report to XXXX, Equifax, and XXXX  about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
Yes, I have disputed several inaccuracies on my credit report to XXXX, XXXX, and Experian about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card

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 2020-05-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I called Comenity XXXX XXXX 3 times told them my account showing balance although paid in full. Told them every point counted on my credit because my business badly affected by covid. Never resolved never received paid in full letter I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: NJ

Complaint narrative:
There are Three accounts that are reporting on XXXX, Equifax and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX  showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH EQUAFAX AND THEY DELETED THE XXXX XXXX BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED XXXX XXXX PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NJ

Complaint narrative:
There are Three accounts that are reporting on XXXX, XXXX  and Experian. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX CARD showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX  AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED ANS XXXX PLEASE

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 2020-05-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I ordered my credit report and received information from experian. On the report, Im listed as having an account that may be considered negative : Nissan- infinity. This was a lease car that I paid payments on time and returned car in on end of term date in XXXX of 2013. Account is listed as paid/ closed but I dont know why it is listed as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This the 7th time i've reach out to Experian and still haven't got results this very last time was dated on XX/XX/XXXX Experian Company responded on XX/XX/XXXX saying that my CFPB complaint does not appear to have been sent directly by me or to be authorized by me which is FALSE, i don't understand because i'm NOT working with anyone or any credit company i'm doing this complaint and disputes myself ... in the past i have called Experian and filed a dispute over the phone that did not help at all!! just got a letter saying all the fraudulent account was verified with no explanation or proof when that didnt work ... 8 months later i log into the Experian dispute website and filed a dispute with supporting documents such as FTC report POLICE report ID and still haven't got a result next i mailed letters to Experian still nothing even FILED a complaint with the CFPB which they replied saying that i need to do it over again because they feel like i didnt authorized my complaint my Experian Report Number is XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report was open fraudulentlymy FTC Report Number XXXX and Police Report number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days ACCOUNT NAME : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} i sent in my FTC report and also My police report .... my next step is to hire a attorney to help me with this matter if Experian continue to not fix this issue i already place a fraud alert

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