vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, without recipient or confirmation of legal procedure or notice of documentation to evict from apartment complex nor court document posted nor mailed from XXXX XXXX XXXX Sheriff department. This action lead to eviction/homeless only to later XX/XX/XXXX rec. photo copy of notice mail from XXXX Sheriff department however no letter from the collection agency listed on credit report. 


I.Q. DATA INTERNATIONAL, INC XXXX XXXX XXXX XXXXWAXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 filed a complaint with the cfpb which came back from the credit bureau stating that it was not me filing the disputes or complaint. I am the only one disputing the items on my credit that should have been deleted. This is an ongoing problem that hasn't been fixed. XXXX is still reporting on Equifax although they have showed that they no longer own the credit file and it is now owned by XXXX XXXX XXXX XXXX XXXX XXXX is still reporting on Equifax and XXXX inaccurately. XXXX XXXX XXXX XXXX XXXX have provided a letter stating the balance on the account which is in accurate and does not match what has been reported to the credit bureaus therefore needs to be deleted immediately. I have requested for both Equifax and XXXX to provide me with the proof of verification in which XXXX and XXXX XXXX XXXX is providing them and it has been over 30 days and that proof of verification has yet to be provided. BELOW is the complete I have previously sent the cfpb : : Year XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed a dispute with Equifax and XXXX for XXXX XXXX XXXX and XXXX and it keeps coming back verified within 7-10 days. 

I requested onXX/XX/XXXX a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/XXXX if was returned as verified from XXXX and XX/XX/XXXX it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX XXXX I have provided both Equifax and XXXX with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX XXXX 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX   and XXXX need to be deleted immediately from Equifax and XXXX   due to it being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My Citibank XXXX XXXX Credit Card credit limit of {$20000.00} was decreased to {$18000.00} on XX/XX/2020 after filing two Consumer Financial Protection Bureau ( CFPB ) complaints against Citibank regarding two unresolved disputes on XX/XX/2020. In addition, Citibank acted in reprisal after invoking my Servicemember Civil Relief Act ( SCRA ) rights within the disputes and CFPB complaints.

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 2020-07-30 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received 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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
Simmons Bank delays posting of their payments consistently by two days. I have had to call two different times to have late fees waived. They are charging consumers late fees that they may have no idea is on their statements. In both cases the my checking account received the money in time. While they have waived the fee both times, who wants to spend 20 minutes of their evening getting the fee waived

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 2020-07-30 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: Paramount Recovery Systems, L.P.
State: MS

Complaint narrative:
In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by Paramount Recovery in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: MI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received 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 2020-07-30 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: MS

Complaint narrative:
In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner

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 2020-07-30 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: MS

Complaint narrative:
In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TX

Complaint narrative:
TransUnion credit reporting agency keeps fading in my file that my student loans have gone up in interest rates and that I currently have a negative balance of {$3200.00} every time I turn around once a month they have reported that my interest has gone up in my student loans which I know are in forbearance due to everything going on in our country right now I have reached out to them three times by phone and by email and they never respond to me they just say oh I do not know what you're saying because we don't see the same thing at first I thought it was XXXX XXXX doing it on their own but then I found out it was not because it was TransUnion only they currently show that I have a balance of {$3200.00} in interest on my student loan and that it was reported by the student loan agency which I checked and it was not and I have asked them to remove it they did not remove it and my credit score dropped 8 points they are uncooperative

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 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC.
State: NV

Complaint narrative:
I originally filed a Complaint back in XX/XX/XXXX. Please refer to complaint # XXXX. Tidewater XXXX Finance was breaking several credit privacy and harassment laws trying to intimidate my entire family speaking to my boss, harassing my neighbors and causing emotional and financial stress refusing to tale payments for almost 2 years and putting us in a black hole of runaround anytime we tried to contact them. 

After they responded to previous complaint we still could not reach anyone to settle any terms refusing tp accept anything but the full amount for the vehicle and we never received any contact from the manager who responded to you saying that he would contact us so on XX/XX/XXXX the vehicle was surrendered to XXXX XXXX and Tidewater was contacted and told the vehicles location and to pick it up because we were afraid they would charge inaccurate maintenance fees and wanted documented proof that we did not have this vehicle. 

The entire loan from XX/XX/XXXX until the current date we have not received any final loan terms, or any vehicle payment statements. We had complained that we never had access to their website to pay the bill but needed the terms of contract to verify agreement of final terms since it was " TBA '' on dealer contract and we did not know who our lender was at signing. 

2 years go by and they reported nothing. They have the vehicle. I never received ANY bills or communication from them at all and for the last 16 months they have destroyed my credit continuing to charge me like im missing payments PLUS INTEREST ON A VEHICLE I HAVE NOT HAD FOR THREE YEARS AND ITS UP TO {$35000.00}??!! How can thia be legal when i have nothing in writing stating anything including the original paperwork from the financing??!! 

I have disputed their practices through XX/XX/XXXX and the company continues to charge monthly payments when they have the vehicle. Did I miss any law that allows any creditor or bank to stay dormant for years after what they did to me and my family and now destroying my credit with no regard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My identity was stolen in XX/XX/XXXX. The identity thief opened many credit cards in my name including a Victorias Secret credit card ( as well as an XXXX XXXX XXXX XXXX credit card ) through Comenity Bank. On XX/XX/XXXX I called Comenity Bank and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. Comenity Bank told me they would start an investigation. Comenity Bank informed me on XX/XX/XXXX via letter that they found the Victorias Secret credit card account to be valid but the others were fraud. I called again and disputed the Victorias Secret credit card as fraud immediately on XX/XX/XXXX at XXXX with 'XX/XX/XXXX ' who said they would send it for re-investigation. Comenity Bank sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the Victorias Secret credit card account with each credit bureau on XX/XX/XXXX. XXXX  came back and said that Comenity Bank " verified that this account belongs to me ''. It does not. I called Comentiy Bank again and disputed again. I received a letter dated XX/XX/XXXX from Comenity Bank stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the Victorias Secret Credit Card is still being reported as valid to XXXX. I called Comenity Bank again in XXXX of XXXX to report that the Victorias Secret credit card was still showing up on XXXX  and that I noticed that Comenity Bank had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX  ( Comenity Bank ) XX/XX/XXXX - XXXX  XXXX  ( Comenity Bank ) XX/XX/XXXX - Wayfair Credit Card ( Comenity Bank ) I called Comenity again and asked to have the Victorias Secret credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus Comenity Bank tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through XXXX  again, and the conclusion from Comenity Bank was " These Inquiries are a factual record of file access. '' which they are clearly not. I called Comenity Bank one more time in XXXX of XXXX and told them they are still reporting the Victorias Secret Credit Card to XXXX  and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
Commonwealth Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX  XXXX  Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit reporting. 

We contacted the Commonwealth Financial Services , XXXX ( " CFS '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, XXXX XXXX XXXX to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact CFS to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and CFS we have had no change in my credit report. We discussed the matter in detail with CFS ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
On or around XX/XX/2020 I applied with XXXX to value my XXXX  for trade. I was steered toward Carvana, who was happy to accept my trade in, but neglected to process my purchase vehicle application. I applied for trade/buy. However, after I made arrangements to sell my vehicle, they decided to then qualify my for a used car purchase loan. The terms included {$6000.00} down for a {$13000.00} vehicle and an A.P.R. of 24 %. I seems that I was a victim of unfair business practices. It seems they engage in these tactics to keep certain applicants from qualifying for a vehicle. In addition to the {$1400.00} to payoff my truck loan, they now want {$6000.00} down to purchase a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I have been experiencing problems linking my bank account to outside sources. There is a connectivity problem or my bank has done something that will not allow me to link.

Company response to consumer: Closed with explanation