vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 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: GA

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They claim not to have a file on me. The inaccurately reporting items below prove they do. They have violated the FCRA, it has been more than 30-days. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion discriminating me based on certain criteria, they put my score down when I have cancel their monthly monitoring services ( paying monthly fees ) and When I sign up, they increase score, they are doing fraudulent activities on this issues. They are downing my score, sometimes 97 or more when I have no 'missed payment ' or collections, it is a complete act of discrimination, they are soliciting to use their monthly services, as soon as I register monthly service, they increase score. All three credit bureaus violating constitutional rights of US Citizens. Investigate their issues and put them into justice. They are unnecessary forcing consumers to sign up their monthly services, otherwise they will put my score down.

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 2019-12-23 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: GA

Complaint narrative:
The credit bureaus have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late

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 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Collection Agency LLC
State: MT

Complaint narrative:
In 2018, I had a hospital bill for {$3000.00} from XXXX XXXX XXXX in XXXX, XXXX for a test that was done. I was not informed of the cost before the test and was only thinking it might be $ 500- {$1000.00}. Had I been informed of the cost, I would not have had the test done. After the first two bills from the hospital, I started making small payments. But suddenly a few months after the test, I received a notice from Collection Associates. 

A few months later, I got a new job in XXXX. The calls from debt collector were relentless and I blocked their numbers on my phone. Then they started calling my work number. I asked them in writing to stop calling at work and only communicate in writing. I had not heard any more for a while. Then suddenly today, my mom told me she had a voice mail that I was supposed to call a certain number. When I looked up the number, it was the cell phone number that was registered to one of the names associated with Collection Associates. I had already told them to contact me only in writing so this is why I am reporting them and sending a cease and desist letter today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: GA

Complaint narrative:
The credit bureaus have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX BANK XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late

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 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
HIPAA VIOLATION Acct # XXXX I asked for validation as well as verification of this alleged debt ... ..I was responded with verified as well as sent notification from IC SYSTEMS INC ... .which clearly violates my rights according to HIPAA.

IC SYSTEMS INC did not provide me a HIPAA release that releases my medical information to them, therefor they are in violation of my HIPAA rights. I will proceed with legal action prescribed by law should this item not be deleted within the required time allowed by 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 2019-12-23 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lending Club Corp
State: NY

Complaint narrative:
Lending Club contacted someone I know that I have no relation to or personal connection to other than a friendship, I have no idea how they even got this persons number. They called them, told them the amount of my loan, lied to them and told them I used them as reference to receive a loan ( I didn't even know this person at the time ) and disclosed personal information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-23 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I found that my mailbox has been broken into so wanted to freeze my credit. I was able to successfully and easily do this with XXXX, yet XXXX  and Equifax would not let me do it. 

It is particularly strange that Equifax couldn't seem to verify my identity, or whatever the problem is, because I've had the same credit monitoring account with them since XXXX. It is clear that they just make the " free '' freeze almost impossible to do, but I'm sure the " paid for '' version would go through no problem. 

Similarly with Equifax, I just created an account with them for this purpose and they were able to identify and find my credit file, list out my current credit accounts, etc. Yet when I tried to freeze the credit they said they couldn't do it online. So I called the number and correctly answered all of their prompts, but again, a problem and they tried to refer me to the online page. Then when I spoke to an agent she said that she was unable to freeze my credit at that time because they were updating their systems. I get the feeling no matter when I attempted to call they would be " updating their systems ''. 

It's all a big scam to avoid the law requiring them to freeze my credit for free and making me pay for their premium services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SLM CORPORATION
State: WA

Complaint narrative:
Despite instructions from our daughter ( we're co-signers on her loan ) AND being told we were on the West Coast, XXXX called us at XXXX PST on XX/XX/XXXX. 

Then, despite my daughter working out a repayment plan, verified MULTIPLE times as " acceptable '', the systems at Sallie Mae continue to mark the loans as Past Due and send repeated harassing emails. XXXX just told me ( XXXX PST XX/XX/XXXX ) that " until the payment is processed, " the system '' will continue to send emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/XXXXI found that my mailbox has been broken into so wanted to freeze my credit. I was able to successfully and easily do this with XX/XX/XXXX, yet Experian and XX/XX/XXXXwould not let me do it. 

It is particularly strange that XXXX  couldn't seem to verify my identity, or whatever the problem is, because I've had the same credit monitoring account with them sinceXX/XX/XXXX. It is clear that they just make the " free '' freeze almost impossible to do, but I'm sure the " paid for '' version would go through no problem. 

Similarly with XXXX, I just created an account with them for this purpose and they were able to identify and find my credit file, list out my current credit accounts, etc. Yet when I tried to freeze the credit they said they couldn't do it online. So I called the number and correctly answered all of their prompts, but again, a problem and they tried to refer me to the online page. Then when I spoke to an agent she said that she was unable to freeze my credit at that time because they were updating their systems. I get the feeling no matter when I attempted to call they would be " updating their systems ''. 

It's all a big scam to avoid the law requiring them to freeze my credit for free and making me pay for their premium services.

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 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I set up a payment plan with my XXXX  visa card synchrony bank on XX/XX/XXXX to take XXXX dollars from my bank account on the XXXX of every month. They took the payment on XX/XX/XXXX but then didn't take anymore payments after that. 2 months later I saw that they hadn't taken their $ the last 2 months and when I called to ask why I was told they had charged off my card for failure to pay. I told them I set up payment plan for them to take the money each month. XXXX they said I didn't make a payment plan and after giving them the date I called n insisting I made payment plan on that date they found it but then said I was supposed to call them to make payments. That is not what I was told when I made the payment plan I was told they would b taking from my account on the XXXX of each month. And I have payment plans with 2 other cards n they all take their $ from my account every month just like this company said they would do. Now my credit is ruined for 7 yrs n debt collectors r going to b coming after me when I didn't fail to pay them. I made sure their $ was in my account on the XXXX of each month but cuz THEY failed to take it I have to pay the price? If I was supposed to call them to make payments they needed to tell me that. When they ask for my bank account info and say theyll b taking the money then that's what I expect theyll do. I've done nothing wrong and shouldn't be punished for their mistake or just wrong doing.

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 2019-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Purchased a vehicle from XXXX XXXX in XXXX, Oklahoma on XX/XX/2019. Noticed that they had charged us for a vehicle warranty that we did not want. Called XXXX XXXX on XX/XX/2019 and spoke with the finance manager who said he would remove the warranty if we would sign a new contract. Signed 2 different contracts that day because he raised the rate on the second contract. Third contract was signed with correct rate and no warranty. Received payment notification in the mail from lender on XX/XX/XXXX with the wrong payment. Called XXXX XXXX, spoke to XXXX XXXX, the business manager, and was told that the only thing they could do was cancel the warranty and apply that amount to the note. We have a copy of the signed contract that does not include the warranty and has a payment amount that is {$36.00} lower than what we will be paying. XXXX XXXX refuses to submit the correct contract and takes no blame for submitting the wrong contract

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 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-12-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: GA

Complaint narrative:
Recently I started receiving requests, missed payments, and debt collection attempts to make payments on a student loan that I do not own. This account has been reported to the credit reporting agencies and is significantly impacting my credit report and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-12-24 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: PA

Complaint narrative:
Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An online cash advance was made on my credit card account without my knowledge or approval on a Wells Fargo account. I disputed the charge and the dispute was denied. The total amount of the cash advance was {$290.00}. Coincidentally, a brokerage account was opened in a fraudulent manner in the same amount as the cash advance. The brokerage account has subsequently been closed. The cash advance was made on XX/XX/XXXX or XXXX 2019. Wells Fargo is now attempting to bill me for the amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-24 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2019, I accessed my electronic credit report through the free annual credit report/Eqifax database. Once I accessed my account, I discovered several inaccuracies of which I made an attempt to dispute. In the process of initiating my dispute ( s ), I was redirected to a different page within the Equifax database which ultimately denied me the ability to select the items I chose to dispute. In turn, I made multiple attempts to regain access, but was denied each time. Since the initial date of XX/XX/2019, I have made multiple attempts to gain access to the MyEquifax customer portal with my report file number to initiate a dispute, but was also denied access. I also made multiple attempts to have the issue resolved by calling Equifax, but even after proving my identity by providing all of the requested information, I'm still being denied access to my electronic credit file as of today ( XX/XX/2019 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: TX

Complaint narrative:
Tansunion refuses to accept documents by only choosing to accept document through the mail. While I've already provided compelling information on this matter their decision is impacting my way of living

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 2019-12-24 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: PA

Complaint narrative:
Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file

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