vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I'VE BEEN PAYING MY MONEY FOR EQUIFAX CREDIT REPORTS WHICH SHOWS MY SCORE IS XXXX WHAT IT SUPPOSE TO BE AND THE WHEN MY CREDIT UNION PULLS IT ITS IN THE 400 'S WITH NEGATIVE ITEMS. THERE ARE TECHNICAL ISSUES CONCERNING MY EQUIFAX REPORT AND THE KEEP HANGING UP ON ME I EVEN TALKED TO GLOBAL CONSUMERS MANY DIFFERENT DEPARTMENTS AND I AM TIRED OF IT. GIVING ME THE RUN AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX  XXXX XXXX XXXX XXXX and still no response.

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 2020-11-05 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: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the 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 2020-11-05 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: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the 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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX XXXX XXXX XXXX XXXX and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX  XXXX XXXX XXXX XXXX and still no response.

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
I have filed a dispute with all 3 credit bureaus asking Nissan Motor Acceptance to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NV

Complaint narrative:
From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year XXXX XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that 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 2020-11-05 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: NV

Complaint narrative:
From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year ( XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I filed a unauthorized transaction claim on XX/XX/XXXX, Sent them everything they asked for, it is 113 days later and i havent gotten my money back or even a single update, in a email they have sent me i was told that it will be resolved in maximum 90 calendar days, let me state again it has been 113 days! all of my money is gone and they are not doing a single thing about it and are not even updating the dispute in the legal time frame the fdic has given them!!!!! PLEASE HELP I JUST WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One promoted its Venture credit card with a {$0.00} introductory annual membership fee. It also promoted a XXXX mile reward if {$3000.00} was spent in the first 3 months XXXX https : //www.capitalone.com/credit-cards/venture/ ). XXXX Capital One has since introduced a XXXX mile award card with an annual fee of {$95.00}. At the time I applied, the introductory annual membership fee was {$0.00}. ) The account was activated ( opened ) in XX/XX/XXXX, but Capital One charged me {$95.00} annual membership fee in XX/XX/XXXX, two months before the introductory period expired -- which violates its own Customer Agreement ( COF Customer Agreement XXXX ), page XXXX, section titled " Membership Fee '' : " If your account terms include a {$0.00} introductory fee, we may charge the first fee when the introductory period ends. '' Furthermore, Capital One activated the credit card before sending it to me across an international border. The card arrived with a big bold sticker declaring that the card was activated and ready for spending. The envelope had been opened by Customs as it crossed into XXXX -- a perfect situation for enabling credit card fraud! After making one travel-related purchase of more than {$3000.00} to lock in the promotional award, I put a restriction on the card, making it useless. 

Capital One has refused to honor the promotional award, which it now says can only be applied to future travel-related purchases. Besides that fact that we are in a worldwide pandemic where travel is discouraged and not responsible, the card that Capital One sent me ( activated, across an international border ) was useless. 

To resolve this, I'd like the following steps taken : Reverse the annual fee, the interest charges and the late fees. 

Refund the {$25.00} I paid in XXXX to avoid late charges. 

Provide the full promised awards for using the card. 

Close the account. 

Note on my credit report that Capital One was responsible for errors. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.

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 2020-11-05 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
In XXXX I sued Carrington Mortgage Services LLC aka Carrington Resolution Services LLC ( CMS ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In 2016, CMS paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. 

My complaint today is because I have since been made aware that CMS violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to XXXX XXXX XXXX ( I am filing a complaint against them as well ). The 2nd lien they sold to XXXX is a " claim '' by definition, and was the only security they held against my property, therefore, CMS is in violation of our SA. 

I am currently trying to refinance my house, however, XXXX has stated that the will not provide a lien release on the 2nd lien that CMS sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that CMS had already promised to release me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Debt of {$380.00} was paid to original creditor. Attach is copy of money order

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
Someone stole my purse and opened fraudulent accounts in my name with out authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
Someone stole my purse and opened fraudulent accounts in my name with out authorization.

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 2020-11-05 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: NY

Complaint narrative:
Someone stole my purse and opened fraudulent accounts in my name with out authorization.

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