vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, I have been trying to get in touch with equifax for over a month with access to my account so I can submit a dispute. For some reason, my account can not submit disputes. 



I have called weekly since XX/XX/24, and I am told there is nothing they can do to fix my account. I have my ticket # which should be resolved, but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had a lot of trouble with US Bank ReliaCard. My card and all of my personal information associated with the card were compromised on XX/XX/XXXX. After alerting US Bank ReliaCard services about the security breach, my card was locked, and it had been a nightmare trying to get restore my personal information and unlock my ReliaCard. To date, we are still disputing several fraudulent charges and waiting for resolution to unlock the card.The bank has asked me to fax them VERY sensitive personal information, a handwritten note about restoring my personal identity, along with photocopies of personal ID. I have provided everything as requested, both with my driver 's license for the first fax ( sent on XX/XX/XXXX XXXX, and a passport for my second fax per their request ( sent on XX/XX/XXXX ), and they still have not done anything to resolve my issue. We are racking up on our credit card debt to cover the cost, and I am also deeply concerned about my personal information. Out of fear, I started to pay out of pocket to monitor my identity and credit activities due to distrust of US Bank 's security system and their handling of my personal information. Right now, our family have no access to thousands of dollars of my unemployment fund. I sit on the phone for hours every day and US Bank ReliaCard has done nothing to help me resolve issues. I appreciate your advocacy for all of us who are struggling during this difficult time. 

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 monetary relief
Consumer complaint received 2021-06-14 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: AL

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Civil action lawsuit judgment has been in the favor of the consumer. Reconciling this debt and to be removed permanently from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA Savings Bank is reporting a late for XXXX, XXXX, XXXX. Due to Covid, I was having a really difficult time keeping up with all my bills since my hours were cut dramatically. I have slowly gotten back on my feet and am now preparing to buy a home. I have been a long time customer with USAA and ask that they please take leniency on these lates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hello, simply put we submitted thru our current home loan provider ( Citizens One Home Loans ) for a refinance. Submission and pre-approval was on XX/XX/2020. Submitted all requested documentation three times over the past six months. Loan officers have changed twice, no notice received from Citizens. Current loan officer and processor have never ever, not once reached out to us to keep us in the loop. We have always had to either email/call to get updates on the refinance. They have made excuses every time we have contacted them why the loan is taking so long, asking for more documentation ( which we previously submitted ). Due to this extremely well over due process we have lost out on many areas why were refinancing, case in point lumber cost has tripled etc, contractor fees have doubled. To date we have not heard a peep in the past two and half weeks on what and when we can finish the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX  and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.

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 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: WI

Complaint narrative:
The debt collector is looking for someone who is not me. Ive stated this twice on two separate calls, and to date have called me 14 times. One call the individual was bullying me to provide information. I do not know who the creditor is because they will not provide that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. Please investigate and promptly remove inaccurate, incomplete, or unverifiable accounts :

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been attempting to verify the legitimacy of the reported Bankruptcy XX/XX/2011 Docket ID # XXXX. 

Transunion, XXXX  and XXXX  has repeatedly " verified '' this as accurate information. 

My question to Transunion, XXXX  and XXXX  has always been : " Which original source of the information did they verify accuracy with ''? 

I know the clerks at the City of XXXX courts, who have told me that they don't speak to the credit bureaus at all. So who did they " Verify '' this with??? 

My XXXX XXXX  report has a security freeze on it, so they couldn't have verified it with them, could they??? 

I am confused and genuinely feel like a victim of the big corporate society who is trying to keep the little guy down. Please help. I have no where else to turn.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a collection account on Experian that was removed and after about six months the account was added back to my credit profile.

According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give Experian written permission to furnish a consumer report about me, nor specific entries contained within a consumer report.

As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that Experian remove the collection account that XXXX XXXX  ( also known as XXXX XXXX XXXX ) illegally placed on Experian as well as XXXX. 

Thank you, 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 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
This company is reporting 4 medical bills on my credit report that are not supposed to be there. I requested validation in the form of a signed contract stating that I received direct service from them and would allow them to collect this debt. They could not provide me any signed documentation showing that I in fact owe them for the alleged debt. 
However, they did send me statements detailing specific health services that were completed with someone else which is a direct violation of my HIPPA rights and were not authorized to be released to or by any 3rd party. 

Alleged amounts owed : {$630.00}, {$630.00}, {$630.00}, {$930.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: CA

Complaint narrative:
I been filing this dispute for about the 3rd time I have not have had any luck with removing the items and its causing me a great deal of stress. ive provided proof and there hasn't been resolved please help me fix this issue so I can try to get a home.

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MD

Complaint narrative:
XX/XX/2021 Keep receiving this message with pre-qualification over and over again. My former account is paid in full and closed at my request when I lost my wallet. I advised the team at that time my bank account and all cards associated with me were closed as a precaution with new ones having been issued. 

My online portal was locked by your team during such time with card disabled. Your team advised auto-pay was still connected I advised to remove clearly and was told that no changes could be made by discover on behalf of the customer this would have to process several times and once the payments came back unpaid a number of times the feature would be disabled. 

The bank account was said to be pending closure for 30 days each time a transaction presented it kept the account for finalizing it's complete closure further delaying the process. I. have spoken with countless representatives at Discover all of with whom states they submitted for the card to be removed from revoked status given the circumstance they see it is paid off and there are countless notes on file advising the same. 

There are people with charged off accounts for thousands and you reissue I'm having to jump through hoops for a card I lost and requested closed at my request and that has a XXXX {$0.00} BALANCE? Unheard of. 

If this is not rectified expediently and this hold is not removed I intend to exhaust every legal remedy available as it is not accurate and differs from what countless correspondences with your team have stated. 
-- -- -- -- copy of your blacklisted email Thank you for your interest in Discover. Unfortunately, at this time we are not able to provide you an offer due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Rest assured, your request did not impact your credit score. In fact, you can easily keep track of your XXXX Credit Score for free and learn more about what affects your credit at Discover.com/Credit-Scorecard. 

You can submit another request eight days from the date of this letter. 

Sincerely, Discover Credit Operations Team XXXX Reference Number XXXX XXXX Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I contact Navient on XX/XX/2021 about the late payments. They asked me if I am going to make the payments. I told them that I can not make the payments because of my work wages are not cover that monthly payment. I am currently still in school as part-time. 

Unfortunely I was taking one class because I had mental issues. I could take two classes but my mental issues hit me the hardest. So Navient had remove me from school deferment and start to demand me to make the payments on time. I can not afford that amount. 

I have tried to explain to them my situation and still make the demand for the payments which I still can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2021, XX/XX/2021,XX/XX/2021,XX/XX/2021 I've disputed inaccurate information and have not got a respond FCRA LAW requires 30 days its been 4 months without any verification, validation or investigation tooken.

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 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. I have not received anything from them.

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 2021-06-14 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: FL

Complaint narrative:
Experian have changed my address without my knowledge or permission and because i do not know that address they refuse to send my credit report to me or provide it to me. 

I live in a protected address system and Experian are endangering my life and causing havoc with my financial status because they have changed my address to something i have never heard of and certainly never lived at. 

I have a court order from a judge that my address be kept confidential due to attempts on my life and now Experian are endangering my life because they will not recognise my address is the same for the last 15 years and has not changed, they have changed it for some reason when i do not have any cards or applications for credit or accounts in any new or different address.

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 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
I sent a transfer to myself for XXXX $ they cancelled it, I have yet to receive my refund It's been a week

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
AS OF XX/XX/XXXX - XX/XX/XXXX : UPON DECLARING MY : FIRST AMENDMENT RIGHTS MY CIVIL RIGHTS : TEXAS PRIVACY ACT XXXX MY STATE AND FEDERAL LAWS : TEXAS FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ) ... AS MY PEACEFUL RESOLUTION TO DISPUTE ALL MATTERS. HAS INSTEAD CAUSED A " DEROGATORY '' MARK BEING PLACED ON ALL COLLECTION CLAIMS ALMOST OVERNIGHT. INSTANTLY OPPRESSING MY PURSUIT OF PURPOSE IN MY LIFE.

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 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
i received a letter from Rubin & Rothman LLC claiming i own {$12000.00} from an account that i haven't use for 4 years since i lost my job back in 2017. this account its been close and i don't even have access to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation