vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried numerous times to review my credit report online at Transunion 's website, I have logged in as a member and with no prevail has Transunion allowed me to view my credit report as I am in need to do so since I have obtained an identity theft affidavit report from the FTC. On XX/XX/XXXX I sent Transunion a copy of my Drivers license with my current address and social security number card as prove of my identity. On XX/XX/XXXX and XX/XX/XXXX I called Transunion costumer service department directly, Transunion representatives verified my identity both times over the phone, Transunion representatives stated both times that I would be able to view my credit report on the Transunion website, and jet I haven't been able to successfully view my credit report. I have also tried to obtain my credit report with XXXX XXXX XXXX and Transunion was the only agency not to release my credit report, the XXXX XXXX XXXX website states that XXXX  XXXX  Transunion are giving free weekly credit reports until XXXX of XXXX and the FTC website states that under the Fair Credit Reporting Act I am able to get a free credit report if the consumer becomes a victim of identity theft, I have obtain a identity theft affidavit report from the FTC website and I am in need of my Transunion credit report to identified any potential identity theft accounts. I pray the CFPB can help me resolve this issue 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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I have disputed several times to show that I paid off Bridgecrest account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

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 2020-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute on my credit report and it has been well over thirty days without any investigation results.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, sorry to bother you today but hope you're having an excellent day. Anyways Experian and XXXX  has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. Thank you

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 2020-10-09 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: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I had a lease from Kia motors finance and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called Kia finance, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, Kia changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of 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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, sorry to bother you today but hope you're having an excellent day. Anyways XXXX  and TransUnion has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. Thank you

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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have the following new issues with Wells Fargo... 

1 ) Recently, WF put together a committee of senior executives that meet daily to address societal inequalities facing XXXX employees & customers ( I am one of these customers who have been lied to, treated like XXXX including Wells Fargo trying to force me out of business ) ... here is the article https : XXXX XXXX ) One of the main reasons it appears that Wells Fargo is trying to force me out of business is that they know I can not afford a lawyer. I have already called several law firms and all of them told me that the banks, like Wells Fargo, have hired most ( 90 % ) of the lawyers who practice " Lender Liability '' and the remaining 10 % are very busy suing banks like Wells Fargo and as a result, they will not represent anyone on contingency. One law firm said their minimum retainer is {$250000.00}. 

3 ) I also asked in an email to XXXX XXXX to forward the email containing the last certified letter to MR. XXXX XXXX and she totally ignored me including asking her to confirm that she received the email. 

4 ) I also set up 2 conference calls : one on Monday XX/XX/XXXX and the other on Thursday XXXX and NO ONE FROM WELLS FARGO accepted the invitation, declined the invitation or proposed a new time. Who is the customer here? Well this is consistent with how I have been treated by Wells Fargo... no response to emails, no reply to text messages, no return phone calls, no return receipts from certified letters ( I have no idea how this is possible especially considering on one of the certified letters I also sent 3 certified letters/return receipt requested to credit reporting agencies to help me clean up the mess Wells Fargo made to my credit rating, and all 3 receipts were returned ) 5 ) Good news : there is plenty of XXXX  work for US manufacturers ; customers want quotes for XXXX XXXX XXXX  XXXX  and XXXX XXXX XXXX  XXXX  but we need working capital to build a clean room to get XXXX approval, fabric, new employees, etc. We have learned on our own how to manufacture XXXX  XXXX  XXXX  and we need help from Wells Fargo.

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 2020-10-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a lease from XXXX XXXX XXXX and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called XXXX XXXX, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, XXXX  changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I submitted a complain ( XXXX CPFB ) becuase somebody try to use my identity to open credit cards or something else. This was not me because I always see my credit report. Comenity Bank was one of the banks that got one hard inquiry. They answered this complaint on XX/XX/2020. 

XXXX XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Were responding to your correspondence about the XXXX XXXX XXXX XXXX XXXX Application XXXX. 
Dear XXXX XXXX XXXX, XXXX : Were Comenity Capital Bank and we handle everything related to the XXXX XXXX XXXX XXXX  XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found. 
On XX/XX/2020, an application for a XXXX XXXX XXXX XXXX XXXX credit card was submitted using your personal information. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 

I will adjust this card from Comenity bank. 

The problem is that after this complain they give a credit card to somebody else in my name is a Victoria 's Secret credit card. After that they have been calling me regarding this situation and they want me to pay for those expenses even when I have told them several times and this was not me. 

My credit score have being impacted because of this problem it when down from XXXX to XXXX because of this situation. 

After that problem that happened in XX/XX/2020 I had put an identity theft alert on my credit and freeze it to prevent it happen again for the next 7 years so nobody can use my credit without or do hard inquiries without calling me. 

Please I will appreciate your help with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX XXXX I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me tp here, I want to get my money back and scammer should not receive the money and keep scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
It all started at the beginning of the loan. The loan was funded via Santander in which at the start was a challenge. I did not get a bill till about two months later because the funding was ( from what I understand ) delayed because of approval. I did take delivery of the car however, the contract had to be shipped to me while I was in Hawaii. I had someone come out to notarize the signing. There were many issues prior to taking delivery of the vehicle in which my son had to take delivery of it as I was still out of state. I am on a fixed income and did not have the best of credit. I started to immediately fall behind and then started to seek out assistance from Santander. To date they have referred me to the XXXX in Arizona to file a complaint and to inquire about the multi state lawsuit for prefatory lending and other illegal, unethical practices by Santander. I am getting the run around to find out about my status in this class action lawsuit and therefor my complaint today. Can you have the organization put my name on this list that they have to forgive this loan and send me the title as I know I am a victim of their business practice than landed them with this lawsuit settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CITIBANK, N.A.
State: NV

Complaint narrative:
On or about XX/XX/XXXX, I placed an online order with XXXX XXXX XXXX in the amount of {$110.00}. A couple of days after I discovered the merchant was attempting to defraud me with their delivery claims. Since the merchant was unwilling to assist or rectify the issue, I initiated a chargeback with Citibank, the issuer of my credit card. 

On or about XX/XX/XXXX, Citibank posted a provisional credit of {$110.00} to my account pending investigation of my chargeback. 

Roughly one week later, XXXX XXXX XXXX was able to adjust the order to ensure it was delivered in line with their original delivery claims. Accordingly, I submitted cancellation of the chargeback to Citibank both online and via their customer service representative. I have e-mail confirmation of this fact. 

On or around XX/XX/XXXX, Citibank debited my account for the {$110.00} provisional credit given to me when I initiated the chargeback that I subsequently cancelled. 

Negligently, Citibank failed to really cancel the chargeback per my instructions. On or about XX/XX/XXXX, Citibank decided the chargeback in favor of the merchant and yet again debited my account {$110.00} as a result. They backdated that debit to XX/XX/XXXX. 

Citibank owes me {$110.00} and I want that money credited to my credit card account.

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 monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Have informed for almost 11 months account with XXXX XXXX is not mine.XXXX  provided proof that the other 2 major credit bureaus has done investigations and determined identity theft provided police reports as well as identity theft reports to suffice and support claim, still no resolve was advised that would get info blocked should take XXXX hours still was never done. I call several times get representatives that hangs up transfers your call and tell you they are taking care of it and they dont. I have advised that next steps will be legal proceedings against the corporation.

Company response to consumer: Closed with explanation