vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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: AZ

Complaint narrative:
I disputed my chapter XXXX bk on my credit report. My XXXX  XXXX  was frozen for security reasons at the time. Yet when I disputed it they said they verified with a company ( XXXX XXXX ) XXXX XXXX said that it wouldn't be possible while it frozen. I know because the same thing happened on my XXXX and they were un able to verify it just weeks earlier when I disputes it with them I reached out to the court out of cuirousity and they said they don't report any info to the bereaus. Experian lied when giving info on my dispute.

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 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  XXXX XXXX is reporting on my credit reports. This account had fraudulent charges back in 2012 its been 8 years and after 7 years its supposed to be removed. This information is still affecting my credit score in a negative way. I have disputed and noted that fraud was charged years ago on 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
Consumer complaint received 2020-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  XXXX XXXX is reporting on my credit reports. This account had fraudulent charges back in 2012 its been 8 years and after 7 years its supposed to be removed. This information is still affecting my credit score in a negative way. I have disputed and noted that fraud was charged years ago on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-25 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: NY

Complaint narrative:
I recently sent letters over 60 days to this bureau and they are disregarding regular consumer disputes. I'm deeply stressed and have been sending letters before this and still no response.

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 2020-07-25 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Back in XXXX of 2020, I received my credit card bill for my Barclays credit card. I noticed there were two charges made on XX/XX/XXXX that were not mine. One purchase was made at the XXXX, GA XXXX XXXX store with the total being {$810.00}. The other purchase was made at an undisclosed jewelry and repairs store in XXXX, GA with the total being {$1900.00}. Neither of these purchases were made my me and no one other than myself has access to this card. I disputed the charges to Barclays. 

A few days later, I received a letter from the company saying the charges were being investigated and had been taken off my account for now. A few more days passed before I received another letter stating that the charges were mine and I would have to pay both of them. The charges were then reapplied to my XXXX credit card bill. After calling the company to investigate, I decided to file a police report for identity theft as well as file a claim in the Federal Trade Commissions ( FTC ) 's Identity Theft website. I filled out the documents and faxed all of them to Barclays once more as instructed on the FTC 's website. After calling Barclays, I was told to wait for them to investigate. Today is XX/XX/2020 and I was just told that those charges are mine and I would have to pay for them. 

I am not sure what more evidence to provide that these charges are not mine.

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 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-07-25 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: GA

Complaint narrative:
I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.

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 2020-07-25 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: GA

Complaint narrative:
I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. I'm deeply stressed and have been sending letters before this and still no response.

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 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I wish for the company to fully verify this debt with all original documents from the original creditor.

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 2020-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
I have loan on a vehicle that is financed by CNAC out of XXXX, WI. Since day one I have NEVER been on auto pay because they know I am self employed. So payments come at different time, various ways. I have never given them permission to take automatic payments. I would pay online and always select one time payment. I have always been on time with my payments. The last payment was due on XX/XX/2020, I was lateon this payment because of how my income fell. I had to choose between feeding my family right now and paying my payment. Today was only my second day late, I went to check out at the grocery store and was told insufficient funds!!! WOW!! How embarrassing. Come to find out CNAC took out a payment WITHOUT my authorization. 
Hard enough making ends meet with this covid things going on and now this company takes money without permission. So I called, the Customer Service Rep did not give me a name. I said there was an unauthorized payment taken and I want it reversed. He said why is your payment late, I said it doesn't matter you took an unauthorized payment and I want it reversed. Again he asked me why I was late, I told him because I had to decide between feeding my family and paying on my car. Then I said so can you reverse the payment you illegally took. He said I can, but I want proof of your insurance. I said no, reversing my payment has nothing to do with insurance. He stated he would not reverse the payment until I showed proof of insurance!! That is strong arming me and bribery!! 
I again told him it was illegal to do so, I didn't authorize them to use my card to pull any money out. He told me wouldn't not refund my money, until I gave him what he wanted. They can not do that, so they are holding money they illegally withdrew until they get insurance proof???!!! Then he told me to have my lawyer call and he hung up on me!! I tried to call back and my calls are not allowed through, it goes to an automated message telling me their PO Box mailing address and their fax number!! This company is crooked!! They won't even work with customers ... but to steal money they were not authorized to take wrong. I have made all payments on time in the almost 2 years I have had this vehicle!! 2 Days late they take an unauthorize payment ... It was only a payment of {$180.00}, but now I am worried about them doing it again!! I shouldn't have to live in fear of them just pulling payments out when they feel like it!! Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I have a loan with USAA SAVINGS BANK, XXXX, XXXX XXXX, MUNICIPLES EMPLOYEES C. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and USAA SAVINGS BANK, XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER, MUNICIPLES EMPLOYEES C with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi said I had to go to the credit Goverment and fix the issues?

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 2020-07-25 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: TX

Complaint narrative:
FTC Violations Never lived at the following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX OAK XXXX XXXX XXXX, TX XXXX XXXX {$920.00} XXXX {$460.00} XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3200.00} XXXX CARD {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$740.00} Inquiries : XXXX XXXX BANK XXXX XXXX RENT

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I have a loan with USAA SAVINGS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and USAA SAVINGS BANK with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well in 2019 I was told I was going to be donated some money. And this was right after hurricane michael. I was left XXXX. I have never been giving money before. So when it came down to it. They asked for my bank information. When they asked for my user information I said no. But then decided to becuase they were a federal banking XXXX. Standard Chartered bank. They uploaded a check. With no authorizing. And I got fraud and now cant have any accounts opened. Please help me. Proof of where the login of the location where it was made will declare me innocent.

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 2020-07-25 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: PA

Complaint narrative:
unauthorized inquiries on transunion XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-25 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have a loan with BRCLYSBANKDE and BRAND BK/GS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BRCLYSBANKDE and BRAND BK/GS with no successful resolution. There was definitely an error on their part.

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 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: CA

Complaint narrative:
I need this account to be fully verified with all original documents from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX is unable to connect with Pnc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
My niece was a patient at XXXX XXXX XXXX  in XXXX, ms Where she is a minor I was told to show my ID and insurance card, after they refuse to treat her. And eventually she was treated as me being a responsible adult. I called her insurance to straighten out the debt, I was told that everything was taking care of now I have a collection agent on my credit record for a hospital bill As XXXX XXXX XXXX

Company response to consumer: Closed with explanation