vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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
Consumer complaint received 2020-07-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXXXXXX 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 2020-07-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Around XXXX and XXXX and XXXX of XXXX, I sent a package to XXXX and XXXX and Equifax indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: IL

Complaint narrative:
Around XXXX and XXXX and XXXX of XXXX, I sent a package to XXXX  and Experian and XXXX indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.

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 2020-07-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is still reporting that my XXXX credit card was closed when XXXX has reopened it. I have opened a dispute but experian is still showing erroneous report. My card from XXXX was closed although I paid my bill. XXXX has since reopened my account. Experian is also the only company still reporting erroneous late payment when XXXX   and XXXX do not have those on my credit report. I have submitted a dispute about 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 2020-07-24 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been trying to resolve a derogatory account on my credit report for months. I have called CBNA sears syw account multiple times and the company will not resolve my issue. When I call they say the account is flagged as fraud and they transfer me to fraud, when I speak to fraud they say it is not flagged as fraud and transfers me back the the same department I just spoke to. I have been going in this never ending circle for months. I am trying to purchase a house and this is the only negative account on my credit report and it must be resolved. How can you continue to report someone late every month while also refusing to take their payment or resolve the account? I need your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was offered a credit card through XXXX XXXX. The Cbna company did not disclose the fact that they were going to apply a hard credit check on me. I did not give my permission to have a hard report ran. I wasn't even in the market to get a credit card.

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 2020-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
We went to court around XXXX, before COVID-19 started. I was trying to recover from XXXX and XXXX XXXX. The original Creditor is XXXX XXXX in which XXXX XXXX  had shared my XXXX records to ( XXXX XXXX XXXX ) without my permission and going against the ( HIPPA ) Law ... I will be sending information in the mail of what he sent me apart of my union bill that explains the work I had done.

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
Im not able to link my account with the company such as XXXX or Bright that is trying to help me repair my credit, save money etc. XXXX keeps refusing to allow even though Ive called them and asked for it to be allowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX XXXX account ( # XXXX, opened XX/XX/XXXX ). This account was paid in full through the XXXX payment site and needs to be removed from my report. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Account has been paid and needs to be removed from report. 

Attached is a copy of each letter I am re sending to each bureau as well as a copy of my 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 2020-07-24 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: IL

Complaint narrative:
Around XXXX, XXXX, XXXX, and XXXX of XXXX, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.

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 2020-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently submitted a complaint through the consumer financial protection board stating that I requested a copy of the report the Trans Union received from my bank XXXX XXXX  XXXX. Trans Union refused to give me that report so I filed a complaint with you folks. Trans Union responded that this is a duplicate of a previous complaint. Please produce the previous complaint where I asked for a copy of the statement from XXXX XXXX   stating that I was delinquent on a payment The Trans Union claims to be in possession of. I wish sleeping dogs could live as good as Trans Union

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 2020-07-25 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX  - no balance, credit limit is showing as {$3000.00}, account partially listed - XXXX, dates opened XX/XX/XXXX and last reported XX/XX/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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: TN

Complaint narrative:
I paid them but I am still getting collection letters. I found out that this company XXXX XXXX XXXX XXXX  XXXX has indeed been surprising those who go to the hospital known as XXXX XXXX XXXX in XXXX, TN with bills just like attached and an article that also states that theyve been doing this. I got two back to back bills one for {$40.00} and {$650.00} in a 2 week period. I dont understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Around XXXX, XXXX, XXXX, and XXXX of 2020, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX  records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.

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 2020-07-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Around XXXX, XXXX, XXXX, and XXXX of 2020, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a item from XXXX XXXX on XX/XX/2020 at XXXX XXXX. Total amount : {$270.00}. 
XXXX XXXX website shows delivered on XXXX XXXX. Since I never received this item, I contact merchant and XXXX  immediately trying to find my package. The merchant suggest me ask bank to dispute it. So I contact a specialist at Goldman Sachs to help me get refund. After that, Bank says merchants provided detail that the item was left at the door, so they closed this case. I contact one merchants manager, she said she wants refund me but she cant. She must use the same way and card to refund. So I talk to bank again hope they can reopen this case so merchant can refund me. But they keep saying they can do nothing. I also provide them the managers cellphone number so they can call her. They just dont want help me to get refund. I want my money back and I will never use Apple Card ( Goldman Sachs ) again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: OK

Complaint narrative:
I was sent a {$1200.00} payment through google pay. When I initially went to google pay it showed the {$1200.00} balance in my account. I was required to verify my bank account by receiving a test deposit. By the time that had been completed my account showed no balance and no transaction history. Ive tried to call and email google. They dont answer calls and dont respond to email. The sender confirms the money was taken out of his account. My money has disappeared into their system and there seems to be no mechanism to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In the beginning of XXXX I called Santander Bank for help with COvid 19 and the approved my loan to be in forbearance. Later that month, they contacted me to extend the forbearance agreement to which I declined and told them that I was paying the debt off because I wanted to refinance my house and my mom was helping me pay the debt off. In that case, I was under the assumption that I needed to be on time for my next payment in XXXX. I paid my XXXX payment and it was credited to XXXX ( the forbearance approved month ) causing me a late payment for XXXX. I called XX/XX/XXXX and disputed the payment to which they removed from XXXX  and XXXX  but not XXXX. XX/XX/XXXX I called to find out why the late payment got not removed from XXXX  and XX/XX/XXXX they reported late payment for all 3 Credit Bureaus again. Reference given By the bank were XXXX and Reference XXXX. Now I can't refinance my house and that late payment will cost me thousands of dollars over the years. My efforts to pay the line off and get out of forbearance were useless and during this Crisis moments Santander did to me the worse thing anyone could have done. I am struggling because of Covid 19 and  it was the reason I requested help to start with. I was never late for any of my accounts and they ruined my credibility with other lenders.

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 2020-07-25 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: AES/PHEAA
State: PA

Complaint narrative:
My student loan was in forbearance XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not late and I want late notices removed.

Company response to consumer: Closed with non-monetary relief