vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For over ten years whenever I tried to get my free annual credit report from Equifax they have told me that 'online delivery is unavailable for you '. 

Five years ago I was able to telephone them and browbeat the phone rep into emailing it to me. This is obviously ridiculous in and of itself : if they can't trust me online, they can't trust me on the phone. So clearly they CAN trust me, they just WON'T. 

In 2020 I tried to get it, was unable to again, called them up and asked them how I could resolve this situation permanently, and was told that it was impossible and that if it told me that I could not receive my report online, then there was no way to make it possible, and that I was just XXXX outta luck. I finally sent in something via US mail, and never received the report at all. Because of course I didn't. 

I just tried online again, and they just refused again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received a copy of my credit report and found the following item to be errors Here as follows are items in error : 1. The late payment from XX/XX/XXXX is inaccurate CBXXXX I sent out a letter on XX/XX/XXXX and still have not gotten a response it has been over 30 days. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, XXXX and TransUnion. I sent my disputes certified mail. None of these companies have responded.

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 2021-07-02 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: FL

Complaint narrative:
On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VW Credit
State: FL

Complaint narrative:
Im XXXX, I purchased a VW vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted VW several times and no response they said that I owed money even though I receive letters from Vw credit and my insurance XXXX specifying it was paid off, they sold the so called debt to XXXX XXXX XXXX all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
Toyota Motor Credit has updated an old loan account as Charged-Off in the amount of {$14000.00} when this account was included and Discharged in Bankruptcy. I disputed this on XXXX, and it was verified by Toyota, and they will not update it accordingly. Marking my account as charged-off is a violation of the Bankruptcy Proceeding. I filed for bankruptcy on XX/XX/XXXX and was discharged XX/XX/XXXX when Toyota took it out of Included in Bankruptcy and marked it Charged-Off. Attached are reporting before bankruptcy and now the most recent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I was charged two overdraft fees due to Speedy Cash debiting my account on the incorrect date. This is after I called in and reported the error. They refused to credit me for the fees after initially promising to do so. Therefore, I immediately halted my payments. I informed them that I would not make any payments until those fees were credited. I also revoked my phone authorization. They have continued to harass and call me daily, from different telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX and transunion reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP

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 2021-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX, equifax and XXXX reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
On XX/XX/XXXX experian, XXXX and XXXX reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP

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 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
Your tracking number XXXX Date of transaction : XX/XX/2021 XXXX ET. Transferred using western union XXXX $ from my bank account to XXXX XXXX account. 
The transfer is supposed to take 4 days. 

Got an email on XXXX XXXX that thr transferred is completed and money will be available on XXXX XXXX. 

Did not receive money. 
On following up on XX/XX/XXXX again, was transferred multiple times between various departments Customer service to Compliance department and back to Customer service XXXX from customer service department XXXX # XXXX acknowledged that I was being transferred repeatedly between departments because they did not know what to do. 
Western Union did not even log my complaint and asked me to call back again. 

End result is XXXX $ were withdrawn from my account and never sent to the recipient account, with western union not assisting or acknowledging what the problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AR

Complaint narrative:
I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. Experian has placed an closed XXXX bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid XXXX earlier. All three credit beau XXXX Experian and XXXX are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX inquires that is not mine. XXXX is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and XXXX and Experian is reporting a address XXXX XXXX XXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: MS

Complaint narrative:
Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.

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 2021-07-02 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: MS

Complaint narrative:
Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.

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 2021-07-02 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: MS

Complaint narrative:
Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XXXX i received result of a disputed item ( XXXX Account ) from Experian that is included in my identity theft report from identity theft.gov that was uploaded for mentioned dispute along with other documents for this. I have called the Experian customer service phone number to verify reason of the result being verified as mine and updated and rule XXXX not being followed. I was notified via multiple agents that the identity theft report was not accepted by the fraud department because it is the incorrect one and that it is filled in incorrectly, was also indicated that it is with apparently with a red mark/note simulating a warning in which the warning was not disclosed yet the bureau has not informed me at any moment that the identity theft report has not been accepted through any form of communication ( email or postal ) and dismissed the dispute as verified and updated. Ever since this dispute in XX/XX/2021 the dispute center in the Experian website when accessed with my logging information it reflects a " Technical Difficulty to access my report '' i have called multiple times to verify about this and have been given multiple different answers from the " i don't know '' to the " we will inform a supervisor to give you a call back ''. This is a violation of my rights of having access to correct my credit report. The identity theft report i have provided is the very report that one is given via IdentityTheft.gov this report I have submitted to XXXX  and XXXX  and they have done their due diligence and have accepted it with no issues. This has to be corrected immediately and this issue has also been forwarded to the Attorney General in my state due to this violation of my rights in the FCRA, and the inefficiency in how the Experian Credit Bureau manages an identity theft victim by blocking my disputing right to correct my report and not even communicating via any form ( email or postal ).

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 2021-07-02 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: MO

Complaint narrative:
I sent out letters the credit bureaus to get some items investigated on XX/XX/2021. I have not got an update to this day i got nothing in writing no score change nothing as a consumer that is not fair reporting i have things I need and the bureaus are holding me up. They have been in business to long to handle business like 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 2021-07-02 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I booked a trip with XXXX and used Affirm to finance. Before taking the trip I canceled the trip with the travel insurance I purchased through XXXX. I have email confirmation. I submitted the information to Affirm and they opened a dispute in XX/XX/2021. I tried to have the account removed from my XXXX credit report but Affirm is saying the account is accurate and will not remove the account from my credit report.

Company response to consumer: Closed with explanation