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

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In XX/XX/2015, I purchased a XXXX XXXX from XXXX XXXX XXXX and it was financed by Westlake Financial. Two weeks after the purchase I was contacted and told that I needed to come back to the dealership and resign some paperwork. I was told that all the information was the same. I signed the paperwork and left. A few weeks later I received a bunch of calls from services looking to sell me Gap insurance. I was confused because when I bought the car I purchased Gap Insurance and told the salesmen that Gap insurance was the most important part of the deal because I had an issue years ago where a car of mine was totaled and I didnt have Gap insurance. After receiving all these calls, I called the dealership and asked if Gap is insurance was on my contract and it wasnt! The salesmen fraudulently took it off the original contract and had me sign a new contract without it. Along with the excessive interest I was charged, I was completely taken advantage of. Since then, the dealership was sued by another client and I received a settlement in the mail of a XXXX  XXXX dollars. The vehicle was eventually repossessed after 4 years due to not being able to afford the excessive payments.

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

Complaint narrative:
ALL FTC VIOALTIONS ATTACHED AND FILED TO THE FTC ABILITY RECOVERY SERVICEDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXXXXXX XXXXDispute XXXX XXXX XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute Show 5 More Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 47 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 17 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 23 hard inquiries Not Disputable Online. Details Public Records show tooltip button Bankruptcies No public records reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.

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 2020-05-04 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I went online and try to submit a dispute my credit and information with transunion, XXXX, XXXX  the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX  discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from transunion because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.

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 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I was in chapter XXXX bankruptcy and paid into it to resolve all these debts but i am still being contacted by these agencies. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I tried to log into my American Express Bluebird prepaid account and I was not able to log in. Then I had called and the automated system told me to check my email as my account was suspended. I checked my email and it said my account was suspended due to fraud. I had this account 6 years and I never committed fraud. They rejected my fianc 's stimulus check and his tax refund. I called and they said to write a letter. To which no response was received. All I want is for them to reject my direct deposit send it back to my employer. Close my account and send me a check to the address on file for the remaining amount in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im trying to buy a home, I did not apply for a credit card. I think I know who did. My son had friends over for the weekend. All of a sudden I get credit card denials by email. I had a capital one card in the past and defaulted so I know for a fact they wouldnt approve me for another one so there is no way I applied for this! Please remove this inquiry from my credit this is causing me economic harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 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: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I had a negative account listed on my XXXX  Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with XXXX  on XXXX and they had removed it on XXXX. However, on XXXX, XXXX   reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, Sequium Asset Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, 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 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a paypal credit card through Synchrony Bank. 
I have been unable to see my account for the last 8 months. 
It disappeared from paypal website. 
There's no independent site login from Syncrhony Bank to see my account. 

My chat contacts with support has been a waste of time with no understanding and just repeat of things I had done. 

I want to have access to see my account to independent website from Synchrony like all their other credit cards. 
I want the finance charges for last 8 months be removed due to my inability to see my account and pay on time to avoid very unusually high interest APR.

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 monetary relief
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-04 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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: VANDERBILT MORTGAGE & FINANCE, INC
State: VA

Complaint narrative:
I called Vanderbilt Mortgage to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was XXXX that they didnt report that amount. When my dispute was completed with XXXX it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.

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 2020-05-04 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: MN

Complaint narrative:
I went online and try to submit a dispute my credit and information with XXXX, EQUAFAX, XXXX the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from XXXX  because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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