vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Equifax has been reporting this alleged debt on my credit report not providing me with any proof of the alleged debt. I have written Equifax 3 letter 's to no response at all. I know that COVID has a big part in response, my first letter was sent to them in XX/XX/ still no response from Equifax. I'm submitting all 3 letter 's that I've submitted to Equifax with no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX of XXXX XXXX now XXXX XXXX of XXXX XXXX is affecting my credit scores since they informed that I have 3 months in past due after being affected by natural disaster. I completed my 3 months moratorium after the Covid19 started. I started paying my loan as soon as the moratorium ended. I have never pay late this mortgage during 14 years. When I visit the bank in two times with appointments they told me that they are going to check since on their computer they don't have late payments reflected. Then why my score drop down 75 points in one week and when I checked it was them reporting late payments.I visit them on XX/XX/2020 and one employee told me that she was going to pass the information of my claim to a supervisor but she did not give me a case number or a phone to call for follow up. They never answer the phone and is only an answering machine. Please help!

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX now XXXX XXXX  XXXX XXXX XXXX is affecting my credit scores since they informed that I have 3 months in past due after being affected by natural disaster. I completed my 3 months moratorium after the Covid19 started. I started paying my loan as soon as the moratorium ended. I have never pay late this mortgage during 14 years. When I visit the bank in two times with appointments they told me that they are going to check since on their computer they don't have late payments reflected. Then why my score drop down 75 points in one week and when I checked it was them reporting late payments.I visit them on XX/XX/2020 and one employee told me that she was going to pass the information of my claim to a supervisor but she did not give me a case number or a phone to call for follow up. They never answer the phone and is only an answering machine. Please help!

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 2020-12-03 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:
i am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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:
i am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.

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 2020-12-03 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: NY

Complaint narrative:
CFPB complaint # 2 Experian responded to this complaint stating that " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' As a consumer reaching out through the CFPB, I am appalled that this avenue was taken by Experian. I provided copies of my letters sent certified mail using online certified mail services due to the pandemic ; dispute results ; signature confirmation from Experian, and they did not address anything and closed the complaint out. Now, I am resubmitting this complaint with additional documentation. 

On XX/XX/2020, a certified letter was sent to Experian disputing a XXXX XXXX XXXX tradeline listed on my Experian file. The letter was signed for on XX/XX/2020. Documents regarding this tradeline were also uploaded at https : //www.experian.com/consumer/upload/ no response received from Experian. The furnisher has no documentation for this debt and therefore, can not be verified or validated. XXXX XXXX XXXX also has not responded to the certified letter requesting validation of debt signed for on XXXX. As of XX/XX/2020, Experian has not sent me investigation results regarding this tradeline, nor reported as " in dispute '' status. This happened last year as well when I tried to work with Experian regarding this tradeline. Previously, this tradeline has no balance, account number or dates reported. Also, was not reported an in dispute. Experian has ignored the accuracy component of the FCRA Section 623 ( a ) ( 1 ) ( A ) for the missing data ; FCRA 623 ( b ) ( 2 ) and the 30 day provision of the FCRA 611 ( a ) ( 1 ). No answers are provided to me by Experian in regards to this dispute and am simply given a one line response, despite the evidence provided to Experian for the inaccuracy of their reporting. Therefore, Experian is in Non-Compliance of the FCRA 616, 617, 621 for the reporting of this tradeline and must REMOVE this tradeline per the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).

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 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
This debt collection agency has taken on abusive practices. I previously complained about a XXXX debt by way of XXXX XXXX in XXXX of 2020. The Harrassment stopped and I later received a derogatory mark on behalf of XXXX from Enhanced Recovery Company one month later. In an effort to quickly resolve the issue I offered to pay for removal. I paid the random {$63.00} debt for XXXX and the reporting persists with a XXXX  balance. Not only that a new XXXX debt has appeared today for over triple the amount of the first debt. I am writing so that this dangerous recycling and reporting of old paid debts or unknown accounts cease. I had one comcast years ago and have not had any new unpaid debts nor unreturned equipment. These phone calls have been recorded. 

My credit report shows two derogatory marks from Enhanced Recovery Company in starkly different amounts. I believe there have been federal violations and innacurate reporting which have been detrimental to my fair credit rating. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In or around XXXX of 2020, I disputed a charge in the amount of {$200.00} from XXXX  XXXX XXXX XXXX  with Citi as a result of the merchant refusing to accept the return of a product that they sold to me incorrectly. Apparently, the representative that I spoke with did not initiate the dispute ( which I believe was a direct result of a language barrier ) and I had to refile the dispute which was out of the dispute timeframe. As a result, Citi did not conduct the dispute accordingly.

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 2020-12-03 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: MI

Complaint narrative:
Experian alerted me of two credit inquiries on XXXX and one today on XXXX. One was for XXXX  XXXX XXXX for a credit card application with XXXX  XXXX. They have put a stop to it and will reverse it on my credit. However, the second one was XXXX XXXX  and i got one inquiry yesterday and one this am. I can not talk with anyone there but they provided me an email. I sent an email, but am awaiting a response. 
I am also concerned because earlier this year, someone attempted to collect unemployment under my name and ss #. I am concerned about id theft and how it will affect me in the future and want to do whatever i can to prevent this. They had my ss #, birthdate and phone number.

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2020 I applied for a credit card from Synchrony Bank in response to an in store promotion at XXXX XXXX XXXX promising a 20 % discount if I applied for and used the Synchrony card. I applied in connection with a {$4500.00} purchase, but was granted only a {$1500.00} credit line, preventing me from receiving the 20 % credit on {$3000.00} ( {$600.00} ) and also forcing me to use other funds to cover the {$3000.00} credit shortfall. 

I immediately requested Synchrony reconsider its initial decision, but was declined because the Synchrony account had no history. OF COURSE IT DIDNT, IT HAD JUST BEEN OPENED. My request to reconsider was treated as request for a new increase, which ignored the fact the INITIAL decision was wrong. 

I subsequently filed a complaint with the XXXX XXXX XXXX, but Synchrony maintained that its denial of a request for an increase was proper, ignoring that I was asking for a reconsideration of the initial request. 

I believe the treatment as a request for an increase was improper. 

I further believe the initial denial was discriminatory against seniors ( I am over XXXX ), failed to adequately consider the receipt of federal benefits ( social security ). Further, I believe their underwriting practices are biased or flawed by failing to properly consider credit history as this decision resulted in a low credit line despite a 40 year sterling credit history, FICO  over 800, low credit usage ( less than 3 % of available credit ), history of paying balances in full each month, small mortgage and car loan balances, and six figure income. While the car loan and mortgage were recent ( we just retired ) our on time handling of these items, the low payment amounts relative to annual income, and our 40 year history of ontime and satisfactory payment of multiple mortgages and car loans should have addressed any concerns. Moreover the recent nature of those two items was already reflected in my FICO score, which as I noted remains over 800 ( excellent ) I asked for a larger limit as part of the original application and was denied. I asked for reconsideration and was denied. I was forced to use other funding to complete the purchase. I lost XXXX  in store credit due to the lenders illegal, biased, irrational decision that the lender claims was proper and in accordance with its policies. 

I believe their policies and treatment of my application are violative of the ECOA, FCRA, and XXXX, and should be investigated. Further I request the payment of my lost ph {$600.00} store credit. 

I fear that other retired seniors who receive social security are being harmed by this creditors practices, that the policies must be changed, and that the lender should sanctioned for its violations and enjoined from continuing these practices.

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 2020-12-03 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: VA

Complaint narrative:
Its been 4 weeks and Experian hasnt updated my credit report with the accurate information about my available credit. It should be {$19000.00} and not XXXX ( Please see attached document ). 

Also, Theyre not even showing my XXXX XXXX XXXX XXXX either ( that I had for almost six years ). While XXXX  and XXXX  all have been reporting correctly and updating 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 2020-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
On XXXX XXXX, I called United Auto Acceptance Inc. to place a one month deferment on my car loan due to unemployment as a result of the coronavirus pandemic. My payment history with United Auto Acceptance, as of XX/XX/XXXX was current and in good standing. I was notified during my initial call on XX/XX/XXXX, that a United Auto Acceptance customer service representative did not have the authority to place a verbal deferment on the account. I was informed by the customer service representative to contact XXXX XXXX, by email, to request a formal deferment in writing. I sent multiple emails to XXXX XXXX, XXXX and XX/XX/XXXX but I never received a reply to my many emails. Since a deferment wasn't applied to the account, my XX/XX/XXXX payment was reported late to the credit bureaus and I was assessed late fee. I made many attempts to resolve the negative credit reporting issue with United Auto Acceptance but have been unsuccessful. According to the provisions of the CARES Act, I was in my right to request a deferment due to the pandemic and unemployment however United Auto Acceptance was not receptive to my request for deferment. I would like United Auto Acceptance to reverse the 30 day late payment reporting to the credit bureaus and credit back the respective late fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On two ( 2 ) separate occasions I disputed a charge for a hotel that was booked through XXXX in the amount of {$110.00} with American Express. Despite providing documentation that clearly illustrates that the hotel room was not available, American Express failed to complete a thorough investigation and issue me the full credit which I believe is a direct result of a language barrier when speaking with American Express representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
XXXX  alerted me of two credit inquiries on XXXX and one today on XXXX. One was for XXXX  XXXX XXXX for a credit card application with XXXX  XXXX. They have put a stop to it and will reverse it on my credit. However, the second one was USAA bank and i got one inquiry yesterday and one this am. I can not talk with anyone there but they provided me an email. I sent an email, but am awaiting a response. 
I am also concerned because earlier this year, someone attempted to collect unemployment under my name and ss #. I am concerned about id theft and how it will affect me in the future and want to do whatever i can to prevent this. They had my ss #, birthdate and phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I called in to the Macy 's credit card line looking to verify my Identity, so that I could get my credit card to my new address. Not only was I unable to do that with thee manager that I spoke to I was not given the information about where they would send my card even though they, " verified '' me by asking for my social security number. 

THe card, and other information is simply not showing up to my address on file. I need them to send it to my PO Box , but they are refusing to because they need to, " verify '' me Further I asked them to verify my most recent address through my credit report. but they did not.

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 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Transworld Systems Inc is on my credit report about an alleged debt that I owed. Due to Transworld Systems Inc, has not responded to non of my letter 's that I've have written to them about this debt. I've have not gotten any type of verification that this debt is mines. I've gave them long enough to respond and correct this alleged debt. I've will provide all letter 's that have been sent to Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi good day this was a paying account I got my car reprocessed due to the covid struggle in I happened to make a payment in for some reason the bank tough it was false transaction in turned back the check but was over XXXX in the bank to cover for the check had problems with the bank account at the time in my belongings that was built in to the car i wasn't given back in they reprocessed the car wrongful cares is in affect till XXXX XX/XX/2029

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-03 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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