vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 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: NM

Complaint narrative:
XXXX XXXX and Experian are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-31 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: TN

Complaint narrative:
Transunion is currently reporting a negative account XXXX XXXX XXXX. I have disputed this account three times. I have asked for validation of this debt and verification of the steps used to verify and validate this debt. Transunion has failed to provide me with this information.

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 2018-10-31 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: NM

Complaint narrative:
Trans Union and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
DISPUTED ACCOUNTS : Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,

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 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Mr. XXXX   requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, TransUnion again went silent.

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 2018-10-31 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-31 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: TX

Complaint narrative:
I am filing this complaint on Experian because they have continuously refused to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Experian deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies have caused my credit score dropped 103 points in ( 1 ) month.

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 2018-10-31 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX   XXXX  account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was informed by Chase bank that I had transactions out of state for an unusual amount. I noticed someone had purchased more than {$1500.00} in Florida, which I have proven I wasn't in and an ATM withdrawal. The gentleman who spoke with me told me that my account would be locked and a new debit card would be sent to me. The following morning I followed up with Chase and I was told my claim was never filed. 

After time for Chase to review my claim that I disputed the charges, I received a letter from them telling me they found the charges to be valid and they would remain on my account. I immediately called Chase and asked them what I would need to prove I did not make these charges. 

I was told any supporting documents could help. So I had my employer sign a letter affirming I was in Arizona never Florida. Also my bank statement proving I was in Arizona. 

Just today the XXXX I received another letter from Chase denying my claim. I spoke with XXXX in the claims department, he informed me that the bank found evidence that my PIN was used in Florida. I told Chase from the start that I never share my PIN with anyone and my card was in my possession the entire time. 

I have been robbed of more than {$1500.00}. I am unable to keep living paycheck to paycheck. I know my card information was stolen and Chase still insists I am responsible. I expect a refund of the money stolen from me as soon as possible. I will fight this forever if I have to, I know Chase is wrong, I am the victim of fraud and I want this matter resolved asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Citibank Na., Best B Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,

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 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: TN

Complaint narrative:
Experian is currently reporting a collection account XXXX XXXX XXXX. I have contacted Experian via mail five times regarding this account. This account does not belong to me. I have asked Experian to validate this debt and provide me with proof that this account was properly verified. Experian has failed to do so they put the responsibility back on me by telling me to contact the creditor. Experian has refused my dispute request stating account has been verified but has not provided me with any information regarding the steps used to verify this debt including the name and number of the person contacted to verify this debt.

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 2018-10-31 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: IL

Complaint narrative:
Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX  repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Equifax again went silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-31 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans union failed to take off fraudulent credit inquiries done by identity theft fraud. I reported to them that companies XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Are reporting on my credit report. These inquiries was not done by me. I did report this and they are take to long to delete these inquiries

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 2018-10-31 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: IL

Complaint narrative:
Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Experian again went silent.

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 2018-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I purchased a brand new XX/XX/2015XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation