vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: MN

Complaint narrative:
The following account listed on my Experian credit report is fraudulent and I never applied for the account : XXXX XXXX XXXX XXXX XXXX, {$170.00}. The following credit inquiries listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XXXX, XX/XX/2020

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 2020-12-09 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: AL

Complaint narrative:
i have been dealing with equifax for more then 6 months with the same problem to no resolution at all..The problem is with XXXX XXXX able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from XXXX XXXX receive my title in the mailXXXX i purchase another vehicle from XXXX XXXX  for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX XXXX XXXX I didnt want the vehicle and i allowed XXXX XXXX to keep it..XXXX XXXX XXXX took me to court for balance of XXXX ..I had XXXX  XXXX XXXX XXXX to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im disable XXXX XXXX wont see a XXXX..XXXX XXXX I filed suit against XXXX XXXX because im trying to purchase my first home and that judgement is damaging my chance to get approved, equifax isnt doing a complete job XXXX  XXXX  keep reporting back to equifax that the account belong to me and the information is accurate, which it not with XXXX XXXX reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both XXXX XXXX  and equifax received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX XXXX XXXX reported 180 days late ... XXXX XXXX denied my loan approval because of XXXX XXXX and equifax not doing their job ... I have filed over 17 disputes about this matter .equifax employee keep telling me to get in touch with XXXX XXXX, I keep explaining to equifax that we're in Litigation in the District court of Alabama ..XXXX XXXX XXXX XXXX and by me been Pro se and XXXX no one want to help to make this right ! Thank you for your time and effort

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello! 

Really appreciate your help! 

Not that it matters, but I've had my identity stolen a few times. Great. 

I'm trying to file a dispute for another identity stolen/collection that's not mine. For the 5th time, I try to connect with Transunion & XXXX via ( calls and web portal ). 

1 ) Transunion Via online, I'm met with this message : XXXX We appreciate your patience while we resolve this issue. 

What to do now : Please try again later. 
If this problem persists, please contact our Website Access Support team. 
If this problem persists, you may want to wait at least one hour before trying again. 
XXXX Via the phone, I'm met with infinite call wait times, and a system that DOES NOT HAVE A CLEAR DISPUTE RESOLUTION NUMBER OR NUMBER TO SELECT. 


2 ) XXXX When I try to initiate the dispute online, I'm told to call XXXX. When I call, I'm met with another automated voice system that DOES NOT HAVE A DISPUTE OPTION OR NUMBER TO SELECT FOR MY DISPUTE ISSUE. 



So, I can't even initiate disputes with Transunion & XXXX for Fraud, Collections, and having my identity stolen which is killing my credit score. 


Thanks, XXXX XXXX XXXX

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 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
First, I already have a complaint about Citizens One filed through CFPB. The complaint ID is XXXX. I have another complaint about this company. In the original repossession situation, Citizens One told me it would cost {$4900.00} to make my loan current so i could get my vehicle back. This amount accounted for my XXXX auto loan payment of {$1000.00} not posting in their system yet. This was the first week of XXXX and I had already confirmed with my bank that my {$1000.00} payment cleared my checking account already. Fast forward to XX/XX/XXXX, I paid {$3900.00} to make my account current and was able to get my vehicle back. I only paid {$3900.00} because the XXXX payment posted. I then set up auto payment with the company in an effort to prevent a future situation like this in the future. When I auto payment, I was told it wouldnt take effect for 30 days, and I received a letter stating the first auto payment would be XX/XX/XXXX. Because of this, I paid my XXXX payment over the phone on XX/XX/XXXX. I paid {$1000.00}, and my actual note is only {$930.00}. Today, XX/XX/XXXX, Citizens One took {$970.00} ( note plus a late fee ) through auto payment. 

My loan should have been current. I would not have been able to get my vehicle back if it wasnt. This was XXXX. I then paid my XXXX payment which would keep it current. Yet, this company took money from me through there auto pay program a month before they were supposed to. 

I have attached documents. One document dated XX/XX/XXXX says I owed {$5300.00}. This was never the number. The highest it was was roughly {$4900.00}, but I do not have the document stating this amount. I was sent a document by request though, and I believe it was dated XX/XX/XXXX. This XX/XX/XXXX document would have been 3 days before I actually paid what was needed to make the loan current. I paid {$3900.00} over the phone with the repossession service manager. This was the required amount according to her. 

The second document stated the first auto payment would be drafted XX/XX/XXXX and then on he 5th of every month. Yet, they already took a payment when I already payed XXXX payment in the first place. 

I have also include screenshots of my bank statements. 

I feel this company is doing everything they can to put my loan in a default status again so they can repossess it again and double their money at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Due COVID-19 has a hardship from XX/XX/20 to XX/XX/20 I was not working and got sick, which cause me to fall behind the following dates : Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have called to see if they can see if they can help me get back on track. The account is closed and I am making my payments on time. They told me to do a dispute so they can get removed from credit report.

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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
In late XX/XX/2020 I received in the mail a PIN disclosure letter from " XXXX XXXX XXXX, XXXX XXXX, TX XXXX. '' Seeing that it was from " XXXX XXXX '' I was immediately nervous as I know I have no open account with Citibank, nor have I requested an account to be opened. The next day, I received a debt card in the mail. This was clearly from Citibank. I did not activate the card and I immediately checked my credit. I saw no report of anything new from Citibank on any of my credit reports. That night I looked up Citibank 's phone number online, called and checked into whether they had an open account with me via their automatic phone system. None of my information was registering in their system. I presumed it was deceptive advertising and moved on. Then on XX/XX/2020, I received in the mail a check book from Citibank. This is when I called Citibank and angrily told them to close this account. They forwarded me to their " fraud department '' and closed the account. The reason for me contacting cfpb is that I don't believe this was fraud from an individual stealing my identity. If someone was fraudulently opening an account in my name, why would they open it with my current address? I believe since my credit is frozen with all three major credit bureaus and there was no trace of any inquiries on my credit reports which is usually present when I set up an account, I believe that Citibank set up this account with my personal information without any authority from me seeing if they can hook me into activating the account. Similar to what XXXX XXXX was caught doing recently. If this is something that other customers are reporting, I want to add my voice and report Citibank for deceptive account 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 2020-12-09 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: SC

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: SC

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

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 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colten Mortgage, LLC
State: AZ

Complaint narrative:
Company currently sending out misleading advertisements stating your FHA- insured loan currently with XXXX XXXX XXXX has been identified as one eligible for this potential MI removal program which can reduce your monthly payment by xx.xx $ per month. To accept this opportunity, call our office at XXXX before XXXX XXXX. 

Have your notification number ready and cal out MI removal department at XXXX. 

Demand will be high so requests for information will be processed in order that calls are received. 

The fine print states this program is only for FHA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-09 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: NY

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-09 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: SC

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX MARKET STCHANNELVIEW, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I received a notification from XXXX XXXX ( XXXX ) of a collections on my credit report from XXXX  ( Sequium Asset Solutions , LLC ). I am only aware of 2 accounts that I have had for the past few years : Auto Finance XXXX XXXX XXXX XXXX-closed ) and XXXX XXXX XXXX XXXX ( Open- Good standing ). I am not sure why they had this placed on my credit report. If, I did owe on this account why didnt someone get in contact with me via mail, phone or email before it went to collections. I have had issues with XXXX i the past and placed coplaints on XXXX ( complaint ID- XXXX ) and XXXX ( complaint ID- XXXX ). I am not sure if these are related to the issue at hand since its XXXX. I need some final resolution to this problem with XXXX completely and want this collections off my credit report. I will also be sending letters the Reporting Agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: MA

Complaint narrative:
They are reordering my transactions in an effort to trigger overdraft fees. They post the larger transactions before smaller ones and they try to blame the merchant when I brought this to their attention. I made an order days before another one yet they posted the second one first because it was a larger amount, both orders were made with the same merchant yet they did that because then the 3 smaller transactions triggered multiple overdraft fees instead of just one overdraft fee for the larger transaction.

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 2020-12-09 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: TX

Complaint narrative:
On XXXX 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. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NY

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-09 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: NY

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX

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