vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: FL

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 : 01 XXXX XXXX, 12 XXXX  XXXX XXXX  XXXX A, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Company Inquiries : 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 2020-06-25 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:
TransUnion is engaged in multiple willful misrepresentations ( fraud ), even after federal lawsuit on XX/XX/2020. What a criminally inclined company! 

( 1 ) Displaying my social security number as my phone number on the front page of the credit report. 
( 2 ) Removing two ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX Accounts ( by TransUnion ) to willfully harm my credit score by at least 20 points.

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 2020-06-25 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I financed a car with Santander starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. Santander now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... Santander should be sanctioned for reporting incorrect information or remove this derogatory marking from my credit bureaus they report to promptly and why I seek your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: VA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I have tried to reach out to the company making them aware that I have been diagnosed with XXXX XXXX, laid off and can not pay at this time. I asked for a pandemic deferment for two months and they said they are not offering this to customers at this time. Although I have reached out to them and explained my situation, GM financial has continued to harass me several times a day. My payment is not even one month past due and the representatives have threatened to send me to collections. Please help me with what I can do to protect my investment. I am a law abiding citizen that always pays my bills on time. Thank you and I look forward to hearing from someone in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequoia Financial Services
State: CA

Complaint narrative:
There is a ER bill that I currently dont owe due to it being tied up in litigation. The lawsuit was filed in XX/XX/XXXX and it was illegally sent to collection in XX/XX/XXXX according to my credit report. I made several attempts to get this item off my XXXX  credit report through multiple disputes. The most recent dispute I uploaded proof of litigation and each time Sequoia Financial validated the debt. I wasnt even aware of the collection until around XXXX when I opened a letter that was dated XX/XX/XXXX. Ive been dealing with a serious medical situation. Today, I contacted Sequoia and asked them who owns the debt and who is validated it each time I disputed. They confirmed that the hospital owns the debt but they are validating it. I told them that I dont owe the debt. The hospital has said through their attorney that they already put this debt on hold. As of today, I checked and Sequoia last validated the debt on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I want to write to day about the following accounts with Portfolio Recovery Associates : 1. PORTFOLIO RECOV ASSOC, account # XXXX, Date Opened XX/XX/XXXX, Original Balance {$380.00}. 
2. PORTFOLIO RECOV ASSOC, account # XXXX, Date Opened XX/XX/XXXX, Original Balance {$1100.00}. 

Portfolio Recovery Associates has been committing many violations to my rights as a comsumer since a long time ago. Some of those violations are : - Both accounts have been re-aged and have incurred post-charge-off intrest. 
- Incorrect and inconsistent last activity date. 
- Ive been been getting excessive phone calls from automated dialers from Portfolio. This is a violation of the CCPA. 

All I am asking is the mentioned accounts to be removed from my report. 

Please send to Portfolio the documents that I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates did no provide me with a notice. By not providing a notice they did not allow me 30 days to verify the debt. The notice was not sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: VA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2020-06-25 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: VA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2020-06-25 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: MD

Complaint narrative:
I contacted Experian by phone in attempt to request a freeze on my father 's credit file due to his recent death. I was unable to connect to a representative through the automated phone system, but rather advised that they would only accept a request for a freeze via mail. I attempted to submit a freeze request online via Experian 's online portal at https : //www.experian.com/consumer/upload/ but their system would not allow my files to upload a PDF file from my XXXX. I found the corporate HQ number and was only able to connect to a live representative via their business/client service line. Their line for consumers goes directly back to the automated system which would not allow me to connect to a live representative for my issue. Corporate was able to ultimately connect me to an agent who explained that their policy does not allow for a temporary freeze or even remarks to be added to the account indicating they had been notified of the consumer 's death. I requested to speak with a supervisor to discuss my concerns about the nature of this policy and the potential vulnerability it exposes their customers to. I was advised I would get a call back but had not received one within 24 hours. I am providing written documentation by mail to Experian but feel their policy and tools limit the ability of consumers to quickly advise and secure their information against potential fraudulent actors and exposes their clients and financial institutions to unecessary risk by not allowing for a mechanism to flag an account for further investigation should someone attempt to obtain credit under a deceased individual 's name or victim of identity theft. In my contacts with the other two major credit bureaus, I did not experience the same issues or was able to connect to a representative who could handle my request with more expediency than Experian.

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 2020-06-25 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Experian continues to report unverifiable information and recently refused to re-investigate the public record on file. They claimed that their method of verification was XXXX XXXX XXXX XXXX and since my last complaint, XXXX has deleted the alleged public record from their databases. Experian can not verify this public record, it's impossible. 

Account Name : US BKPT CT NH XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 2020-06-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I financed a car with XXXX starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. XXXX now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... XXXX  should be sanctioned for reporting incorrect information or remove this  derogatory marking from my credit bureaus they report to promptly and why I seek your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC violations XXXX XXXX XXXX {$640.00} XXXX/XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6400.00} XXXX {$1400.00} XXXX XXXX Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$1400.00}

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 2020-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC violations XXXX XXXX XXXX {$640.00} XXXX/XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6400.00} XXXX {$1400.00} XXXX XXXX Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CA

Complaint narrative:
I have wrote Experian over 20 times that it is displaying wrong name and address Issue # 1 [ Name ]  Wrong : XXXX XXXX - Name ID XXXX Wrong : XXXX XXXX - Name ID XXXX " Correct - XXXX XXXX XXXX - Name ID XXXX '' Issue # 2 [ Address ] Wrong : XXXX XXXX  XXXX XXXX. XXXX XXXX, CA XXXX - Address ID-XXXX  Multifamily. 

Issue # 3. 
A RICO company named " XXXX XXXX XXXX '' accessed my credit report WITHOUT my permission on 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 non-monetary relief
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not make these inquiries I believe someone used my information. Which are reported on my Transunion report. 

XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX There is additional companies reported on my XXXX report. 

XXXX No contact info XXXX No contact info

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
cfpd case # XXXX XXXX  XXXX case # XXXX date recieved XXXX XXXX i have tried to apply for a credit card that i was declined a credit card to re-build my credit and good faith has tried to do the right thing and was denied a credit and was discriminated against because not only because of the colr of my skin but it says in notice states that : the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex marital status, age, ( provided the applicant has the capacity to into a binding contract ) ; because of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the consumer credit protection act. beacause back to the fact at hand i am XXXX and i am on a fixed income because well fargo has caused me to believe that i am being discriminated against against because not only because cause of m y race and income wells fargo has lead me to believe that i have no rights at all because not only because of my XXXX but has caused me to believe to make me feel that i don't deserve to have nice things and i don't have a right to become sucessful just like them. and they speak on the consumers. and they will make sure that every consumer be treated fairly. but in my case i was not treated fairly and wells fargo has caused me and has lead me to believe that i don't matter..

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 2020-06-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am in receipt of my Experian Credit report # XXXX, dated XX/XX/2020, and noticed inaccurate information more specifically addresses I had disputed with both Experian and the CFPB in form of formal complaints at least 25 or more times in the past 10 years had been reinserted back onto my credit report. According to the FCRA any disputed information removed from consumers credit reports can not be reinserted without prior notification from the credit reporting agencies. My current address as listed with every single creditor is XXXX XXXX, XXXX, MD XXXX. XXXX removed this address as my current address listed as former address. Experian refused to disclose who authorized the change or which creditor is reporting the wrong addresses. Under the FCRA the consumer is entitled to sources of which creditor/lender is supplying inaccurate information and afforded the opportunity to dispute the inaccurate information directly with creditor/lender. According to Experian they can not verify who changed the address or any lender currently reporting the incorrected address then continued to refused and remove the inaccurate information from the consumers credit report in direct violation of the FCRA.

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 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I was scammed by someone on XXXX  I had a gut feeling something was going to happened and in the middle of it I kept saying how I was uncomfortable I was with it but they kept reassuring that it was ok after I sent them the money ( XXXX ) I told them to leave me alone and not to ask me for anything I thought I was going to be ok well flash forward to Monday XX/XX/2020 I get a notification from my bank saying some money was deducted I thought well it was probably from stuff I had bought from the day before but once I checked it I was negative XXXX my heart dropped and I wanted to cry my eyes out I immediately called my bank ( bank of America ) and they said they couldnt help I had to contact the person that I sent the money to well that person obviously had already blocked me by that point Im upset with myself for being this trustful especially when I have a 10 month to think about Im just absolutely gutted and keep beating myself up

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