vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my Equifax report as well so in order to correct the inconsistencies between the Experian, XXXX and XXXX credit reports, the account needs to be deleted from the Experian and XXXX credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXXXXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00}

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 2021-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020 a car loan was realesed in my name and my information was also wrongfully used. I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


VIN : XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I mailed disputes letters to Experian and XXXX  along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!

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 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Firstly I am newly XXXX due to a health condition and still unemployed due to COVID-19 ( but am employed soon again thank XXXX! ) and have never gotten any help for financial hardship yet due to this reason since opening the account I have at Fifth Third Bank. My unemployment lapsed for 3 weeks from Early XXXX XXXX XX/XX/2021 during this time I told them so they wouldnt let charges go through and what not AND contacted the other business and bills etc to stop bill pay well kinda like XXXX they said that it automatically will attempt three times and there is nothing they could do about it so after three weeks and {$800.00} plus fees later I got my {$1900.00} in unemployment but the bank now says they wont give me any of that back, its just it was out of my control and I really needed that to pay these other bills and how Im behind rent to because of this AND hand about another {$350.00} - {$550.00} in more charges and lost pretty much my next whole unemployment deposits over a bunch of XXXX I cant crawl out of this hole and they wont help a bit this is my last option : / Ive gone into multiple branches etc. Fifth Third Bank says they will do whatever they can to help those affected by pandemic and financial hardship sadly that I guess isnt true and never was : /

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I mailed disputes letters to XXXX  and Equifax along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I received a call from Account Receivables Technologies in XXXX of 2018. They claimed I owed a debit they purchased from XXXX XXXX. I was, and am still unaware of the specifics regarding the alleged debt I owed. I requested in writing that the company verify the debt. Ive attached a copy of the first letter I sent to the company in XX/XX/2018. I also called and requested they verify the debt. My inquiries were ignored. They continued to call me and refused to verify the debt or send me any written correspondence. I just recently contacted them and they informed me that they could no longer answer my questions and to contact the original lender. Im in the dark and my credit is ruined by this unverified debt. 

The alleged debt they are unwilling to verify was reported to XXXX XXXX XXXX. Thus negatively impacting my credit. The alleged debt is also being reported as new debt. Im asking that the unverified information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-06-07 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: LEXISNEXIS
State: NY

Complaint narrative:
Dear Sir, Madam, I have been using an XXXX XXXX XXXX credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the XXXX and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX XXXX, in their refusal explanation letter ( Adverse Action Letter attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and LexisNexis. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as XXXX XXXX is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TX

Complaint narrative:
XXXX XXXX is inaccurately reporting that I owe a collections debts of {$720.00}. Equifax is also inaccurately reporting that I owe the {$720.00} collections debt to XXXX XXXX. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX is inaccurately reporting that I have a collections debt of {$630.00}. Commonwealth Financial is also inaccurately reporting that I have a collections debt of {$720.00}. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I just opened a checking account with tcf bank like XX/XX/XXXX Few weeks afterwards i was having problems getting information about my tcf account. To know : balance info and such. Tcf agents to me all i would have to do is go into any tcf branch and request a new ATM card. Still questioning to myself why my card doesn't work. but what ever. 
Weeks later XX/XX/XXXX i go into a tcf bank with my ATM card and request for a new Atm card.. 
Well this bank teller is now telling me my account is closed and was closed on XX/XX/XXXX. and there so reason to why it was closed. 

I demanded my money that is setting in that account. Sum of {$1200.00} dollars that was just deposited this morning at XXXXXXXX XXXX 
The teller says the money isn't in your account but tcf does have it and you'll have to wait for a check from tcf. And you'll receive that in about 15 days. the teller states. 
I said no way i need my money now. XXXX and complained is all i could do. 
Knowing theres bank tellers dont know what to do either. 

I want and need my money now. Not one person in tcf corp office will return my call or call me back. 
I did file a police report because tcf stold my money I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex is offering a promotion : " Starting from the time you enroll through XX/XX/2021 ( Purchase Period ), you will earn one {$15.00} statement credit each month after spending {$15.00} or more in combined eligible purchases of monthly wireless telephone services ( e.g. monthly service charges for your cellular phone ) purchased directly from U.S. service providers with your Delta SkyMiles Platinum Business American Express Card, during the Purchase Period, up to a total of {$160.00} in statement credits. '' I've put my monthly cell phone bill from XXXX XXXX on my Delta Platinum Business Amex card. XXXX XXXX  is the wireless service provider from XXXX ; see XXXX XXXX XXXXXXXX/about/ However, the XXXX XXXX/month statement credit did not post to my account. I opened a case with Amex ; case # XXXX. Amex states : " As per the investigation details, Your transaction against merchant XXXXXXXX XXXX  XXXX PAYMENT with merchant number XXXX does NOT qualify because it is a XXXX XXXX transaction and it is not considered to be its own standalone wireless service/provider because it is operated by XXXX, XXXX, and XXXX XXXX XXXX '' However, this is not true. XXXX is its own company, and XXXX XXXX is its own wireless service provider ; XXXX is not owned nor operated by XXXX, XXXX or XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed five complaints with XXXX because they are mixing me up with my father. His credit card keeps showing on my credit file and I want to get it removed. We share the same first name but our last names are different and we share the same address. My first complaint filed to them was some time back in XXXX. My following complaints were XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and I believe XX/XX/XXXX I also made a complaint to them over the phone. I try to contact American Express but when I tell them about the situation I get told that there isn't a card registered to my SSN and that I should take it up with a credit bureau. I am confused because if American Express is telling me a card doesn't exist under my identity why does XXXX insist that it does. I do not understand how XXXX thinks the card belongs to me when I have filed so many complaints to them even going as far as to send them a photo of our IDs next to our respected cards to prove that the card does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is consistently coordinating accounts lacking integrity encoding wreckless billing, violation Declaration Labor Act poor labor and wage, late payments, inadequacies of credit limit and high limits, written plagiarism by foreign account holders, violating Georgia Medicaid HIPPA Act by cyberterorism defamation of SS # and defamation of character jeopardizing National Security.

Last 4 digits if SS # 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 2021-06-07 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
We have tried to re apply, and even with a co-signer ; we even went through the Navy federal credit union, thinking it would be safer. We are being harrassed and stalked where we live by the landlord and surrounding law enforcement officers, they keep harrassing my daughter, in the past year my daughter has been arrested for XXXX XXXX and protesting peacefully. We are having many issues here in XXXX XXXX, due to the faternities that are here in this area, there are many associations and groups. Seems to be the individuals that we are struggling with have the cappability to ruin someone's life whether they deserve it or not. 
I believe that my son in law XXXX XXXX and I bought a house under the same loan # XXXX ; XXXX # XXXX assessed in XXXX after our interest into the property. I am a XXXX veteran, from XXXX XXXX era. We have been trying to move into our own house, with no stress, except we apparently have had our identity stolen along with our family LLP. Professionals during covid feel they dont have to conduct business correctly, and victimize veterans whom have very little. please help us get our propertry, or identity from being stolen. please, we have been victims of the current circumstances. 
Thank You, XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: MA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation