vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
the company will not send the documents that have been requested in order to report accurate information on y credit report. I filed a complaint previously and assumed it was resolved when someone form Exeter Finance called and stated they would resend an email that would contain the full account history but that was never sent and I have waited at least two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX, Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney. 

Balance on XX/XX/XXXX Loan Amount {$1700.00} Original Loan Amount. 
{$1200.00}. 

I have made calls to rectify this. 




These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and removed.

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 2020-10-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed the account XXXX XXXX preferred over 30 days ago. Transunion continues to report it despite my many complaints. The account XXXX, I have asked to verify the unauthorized charges, provide itemized statement, as well as provide good contact information. They have failed all my requests. Additionally, Transunion has violated my rights under the FCRA - specifically now, Article 611 for failure to investigate the dispute within a timely and reasonable frame. It has been over 30 days. They have also violated my rights :. The company failed to properly reinvestigate the XXXX account. My third dispute with them was on XX/XX/2020 after they ignored my past disputes. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had several opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. I have asked for documentation from the data furnisher ( XXXX ) on the unauthorized charges. However, they have not provided nor can I get ahold of them because mail is returned and phone they list on my report for them is non -working. Transunion has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). W/F and Transunion has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43, as they failed to correct the inaccuracies or provide documentation to my request. I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NY

Complaint narrative:
Equifax continues to report negative accounts on my report that do not belong to me. They are in violation of the FCRA. I have tried to dispute these accounts with Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RR Resource-Recovery
State: NY

Complaint narrative:
i paid this debt and RR Resource Recovery, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, refuses to remove this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: TX

Complaint narrative:
I am not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX custody is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent an additional letter to Equifax considering the incorrect information on my credit report. I also sent a letter on XX/XX/2020 and still didn't get the results that I instructed. I am stressed due to to this incorrect information it has disabled my ability to obtain credit and does not properly show my ability to be a responsible consumer. By law they have not responded within the time frame and are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX XXXX is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a new computer from the Apple Store using the Apple Card by Goldman Sachs expecting to receive the heavily advertised 0 % financing offer. Instead the charge immediately began accruing interest. 

I contacted Apple Card support and they told me I could either return the computer ( which was needed ) and repurchase the item or have a manager fix it. I asked for the latter and received no response for several weeks. At that point I called again and was given the same options. Once again I selected the latter and once again received no response. 

I called a third time and when offered the two options decided to try option 1. After waiting on hold for over 30 minutes I was told that option was no longer possible due to the time that had passed. Back to option 2. This was 2 weeks ago and I have yet to receive a response.

I normally pay my bill in full every month and was assured that the interest charges would be reversed. I have now been charged in excess of {$100.00} in interest and have lost hope the issue will ever be resolved.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion XXXX XXXX, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. 

XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have been harassed by this company for a while concerning a debt that I am not liable for. I have not signed a contract or given them the permission to obtain my place of residence or my contact information in which they continue to frequently harass me. They called repeatedly at inconvenient times in which I have told them numerous times to stop.To my understating as a consumer they have broken the consumer laws found in 15 USC 1692.

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 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The last charge I made was for the amount of {$250.00} which I paid Macys on XX/XX/20. My card had a XXXX balance. when I received the next statement there was a balance of {$880.00}. Now the balance has gone up to {$1200.00}. I called Macy right away to report to tell them that I did not make any of those purchase. I did not find my Macy card so I told reported it stolen. Macy said that they were going to investigate. They cancelled my card and sent me a new one. The next statement I received, macy took all the changes off. Then they turned around and told me that I am responsible to pay after they investigated some more. At which time a police report was made on XX/XX/20, but macy still holding me responsible for charges I did not make. 
I am asking to please take those charges off my account since I did not make any purchase since I had a XXXX balance on my account. My credit is also in jeopardy for some charges I am not responsible. I also keep being harassed by phone calls. I am confident that you can solve this issue. 
I thank you in advance.

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 2020-10-25 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: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
Santander Consumer USA is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. Santander Consumer USA agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I will have sent my now third letter to this company without the instructed results. The information on my credit report is inaccurate and in-accordance with the FCRA everything on a consumer report must be accurate. Because of theses inaccuracies in has restricted me from obtain new credit and establishing new relationships which have has caused me stress and innocence.

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 2020-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingUSA
State: NY

Complaint narrative:
I took a loan with LendingUSA in XXXX, starting in XX/XX/XXXX. I was to pay {$130.00} until XX/XX/XXXX, which I did on the due data of the XXXX of each month. Apparently once payment did not go through so that I was charged Account : XXXX. 
I received emails from the company until XX/XX/XXXX. I contacte dthem to let them know that I moved and provided my new address. My phone number has not changed though, and my email address either. 
In XX/XX/XXXX, I was informed by my credit monitory system that LendingUSA has flagged me for 30 days late. I was surprised since they took {$130.00} on XX/XX/XXXX, therefore was expecting that they would continue debiting my account until the different fees were paid off. Thye had not contacted me before glagging me 30 say late. I contacted them to tell them of the mistake - both continuing to take from my account as agreed, and flagging me 30 days late. In spaite of everal phone calls and emails, they refused to change the reporting and said that they would continue to flag me late and take from my bank account. I told them to stop taking from my bank account is they were going to continue flagging me late - now 60 day late. 
My credit has dipped more than 30 points due to this and is preventing me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2019, my vehicle was repossessed and later sold despite many attempts to contact the company to resolve the account billing discrepancies historically existing on account. Subsequently, the company reported this erroneous, inaccurate account billing discrepancies to all credit reporting agencies. Please be advised, Complaint ID : XXXX, submitted on XX/XX/2019 which was regrettably closed on or about XX/XX/2019. Moreover, I am submitting this complaint with additional documentation to redress this original complaint with the same theme restating inaccurate account discrepancies with the payment history of payments submitted to on account. 

Upon the payment proofs submitted, please find that with the advanced payments on account, this account standing existed with approximately 17-months of advanced payments. With these advanced payments this fact this account was never late with payments on account. Additionally, the proofs of payments submitted by receipt leaves no doubt as to the findings of inaccurate account billing discrepancies claimed in this original complaint filed under Complaint ID : XXXX, dated XX/XX/2019.

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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon I'm writing in reference to a closed account on my credit report from Capital One. I am a victim of identity Theft and I disputed the said account with all three bureaus and XX/XX/XXXX is the only bureau who has still not removed. I've disputed this account four months ago, and I'm assuming thatXX/XX/XXXX refuses to remove it, now I am coming to you all to help resolve this problem. What would be a fair resolution to this issue, I want this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This would be the third letter I have sent to this company on XX/XX/2020 with no solution or result. The information on my credit report are inaccurate questionable, and are incorrect. It is to my understanding the under the FCRA that all information on your credit report has be 100 percent accurate. They are not. Again, these accounts are inaccurate, questionable and unverifiable. The investigation has been going on for more that 60 days and no results.This is another violation. It is to my understanding that credit report bureaus have 30-45 days to respond to a consumer complaint which they have not. I am stressed because of this bureaus mistakes I have not be able to obtain an y new credit or establish any new relations. Please take action.

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 2020-10-25 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: NE

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. XXXX XXXX XXXX agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.

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 2020-10-25 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: NE

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. XXXX XXXX XXXX agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.

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