vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-07 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: MO

Complaint narrative:
XXXX XXXX refuses to remove an account from my report even though the reporting company ( XXXX XXXX XXXX ) has agreed the information should be deleted and has submitted a request to all 3 agancies to do so. I have disputed the item multiple times but XXXX XXXX refuses to correct the problem. 

The other bureaus have already deleted the item.

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 2017-10-07 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: FL

Complaint narrative:
XXXX XXXX, XXXX I called Equifax and sat on hold for 1 hour and a rep came on and tried to help, placed me on hold and disconnected me, I did a Dispute XXXX XXXX and it was over 30 days which FCRA states that items will be deleted if not completed in 30 days, this hasnt been the case with Equifax, they are over the time frame and should delete. Also, they had a section to dispute Inquiries but say they they cant dispute Inquires is contradicting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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.

Complaint narrative:
I have only 2 accounts opened But in credit report its is showing 3accounts opened. And my due is appriaximaye 30-40 K.however its showing XXXX. 

Please check.

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 2017-10-07 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: OH

Complaint narrative:
I have try to solve this for some time now, with Equifax and XXXX, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: OH

Complaint narrative:
I have try to solve this for some time now, with XXXX and Experian, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}

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 2017-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: URS Holding, LLC
State: VA

Complaint narrative:
On XXXX XXXX XXXX, 2017. I called XXXX XXXX and was forwarded to the third party collection XXXX XXXX. Once forwarded to XXXX XXXX, the representative stated the introduction. And I verified the debt information ( last four of the social ). The rep stated the balance on the account. I stated to the rep that, that the balance that she stated to me is the amount that I was told previously. Instead of offering the dispute the representative, wanted for me to take the settlement instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XXXX has refused to replace a lost credit card despite innumerable telephone and online requests. They provide no explanation for their failure to assist me.

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 2017-10-07 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. Honda deliberation audio evidence is available for review and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Your problem options did not actually have my issue so I checked closest. This is kind of a small thing but it concerns me they are doing it to everyone ; when I applied for my XXXX XXXX XXXX credit card online, there was a checkbox, already checked, to expedite receiving the card for an extra {$15.00} fee. I unchecked the box ; I was in absolutely no hurry. But they expedited and charged me anyway, and when I complained, they said they could not reverse that charge because " the application was received online. '' As though that somehow made it impossible for it to be wrong, I guess? First, that box should not be checked automatically to begin with, and second, I am POSITIVE I unchecked it. 
{$15.00} charges, over a lot of people, for something that probably costs them much less than that, is making them a lot of money and in my case, at least, was fraudulent treatment. People are probably just glad to get approved, it is n't all that much, how many people will bother to complain ; I hope a lot of us do and they have to pay us all back some day.

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 2017-10-07 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: NY

Complaint narrative:
XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

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 2017-10-07 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: Synergetic Communication Inc
State: NY

Complaint narrative:
XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: NY

Complaint narrative:
XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

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 2017-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
RE : Capital One Auto Loan From XX/XX/XXXX- XX/XX/XXXX.
This loan is paid in full. I have received my title to my XXXX XXXX XXXX.
Through the loan payment process 4 payments are marked LATE. These payments should not be marked late. This impacts my credit score and ability to borrow.
Three times I have contact Capital One Auto Finance regarding this situation. As previously stated to Capital One Auto. I moved 3 times through out a 2 year period ( From XX/XX/XXXX- though XX/XX/XXXX ). Change of addresses was from XXXX, XXXX to XXXX, XXXX to XXXX XXXX, XXXX. Missing mail statements. Also, payments bounced back repeatedly. This was an uncontrollable and unfortunate situation. I could not control the US Postal Service.
Capital One Auto Finance refuses to amend, adjust the multiple late payments that should not have been. Capital One Auto has been paid in full on this loan and also, on a previous auto loan. Capital One needs to give me a letter titles to me and the credit reporting agencies waiving and clearing the 4 late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: FL

Complaint narrative:
5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my transunion credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but transunion and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months 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 2017-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank, representing Victoria Secret, has called me SEVEN times a day, EVERY day, for the past week ( XX/XX/XXXX-XX/XX/XXXX ) from an UNKNOWN number. I am past due on a payment, but my account indicates a new minimum payment due - including the past due payment and late fee - on the next billing cycle ( XX/XX/XXXX ).
I told them when they first started calling, 5 days after my payment, that I was not able to make the past due payment until my next payday and that I will make sure the account is paid up to date by the current due date. I advised them to not call back regarding this payment, unless XX/XX/XXXX passes and they have still not received payment.
That stopped the calling for a day, and then it continued. They call a minimum of 7 times a day between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: FL

Complaint narrative:
5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my XXXX credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but XXXX and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank incorrectly coded my credit card account as having been included in a bankruptcy filing that was not mine and then erroneously reported this information to XXXX in XXXX of 2017. As a result, my Citibank account was frozen and my credit report for XXXX  showed that my account was included in a bankruptcy, which is incorrect. After several weeks of phone calls with Citibank, and explaining to various representatives that I had not filed a bankruptcy, I was able to get the name of the lawyer listed on the bankruptcy filing they were attributing to me. The lawyer, who is located in Wisconsin ( I live in Virginia ) confirmed that the bankruptcy filing was not mine, but was for an individual with a similar name and social security number to mine. I was able to get the lawyer to submit a letter to Citibank indicating that the information they were using/reporting about me was erroneous. Eventually, after many weeks, Citibank finally accepted responsibility for the incorrect coding of my account. At that time, I was told by Citibank that my only choice of action was to pay off my balance, because my account was now closed and could not be reopened. I paid off my account balance immediately and my balance is now XXXX and the account is listed as closed. However, the erroneous information from Citibank remains on my credit report for XXXX and has resulted in a significant decrease in my credit score. I filed a dispute with XXXX, but the only resulting action was to add a note that I disputed the information. It is important to note that at no time have any public bankruptcy records been added to my report, because I never filed for bankruptcy, now or in the past.

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 2017-10-07 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: VA

Complaint narrative:
XXXX incorrectly coded my credit card account as having been included in a bankruptcy filing that was not mine and then erroneously reported this information to Transunion in XXXX of 2017. As a result, my XXXX account was frozen and my credit report for Transunion showed that my account was included in a bankruptcy, which is incorrect. After several weeks of phone calls with XXXX, and explaining to various representatives that I had not filed a bankruptcy, I was able to get the name of the lawyer listed on the bankruptcy filing they were attributing to me. The lawyer, who is located in Wisconsin ( I live in Virginia ) confirmed that the bankruptcy filing was not mine, but was for an individual with a similar name and social security number to mine. I was able to get the lawyer to submit a letter to XXXX  indicating that the information they were using/reporting about me was erroneous. Eventually, after many weeks, XXXX finally accepted responsibility for the incorrect coding of my account. At that time, I was told by XXXX that my only choice of action was to pay off my balance, because my account was now closed and could not be reopened. I paid off my account balance immediately and my balance is now XXXX and the account is listed as closed. However, the erroneous information from XXXX remains on my credit report for Transunion and has resulted in a significant decrease in my credit score. I filed a dispute with Transunion, but the only resulting action was to add a note that I disputed the information. It is important to note that at no time have any public bankruptcy records been added to my report, because I never filed for bankruptcy, now or in the past.

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 2017-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZWICKER & ASSOCIATES
State: IN

Complaint narrative:
ZWICKER FAILED TO RELEASE 2 JUDGEMENTS FROM MY RECORD, CASE NO.
XXXX XXXX XXXX, IN THE AMOUNT OF {$12.00}, XXXX AND {$2.00}, XXXX. THE LESSOR JUDGEMENT INVOLVES AN ERROR IN REPORTING OF {$2.00}, XXXX, SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, in XXXX California, pulled a hard inquiry on my credit report without consent. I specifically requested them not to pull a hard inquiry, to which they responded that they would not. 

They asked for my social security #, and I provided it, after being told they would only use it for a soft inquiry, in order to come up with a preliminary loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Payment in full of account {$17000.00} submitted XXXX/XXXX/14. 

Company failed to process payment and subsequently falsely reported account as delinquent to credit reporting agencies, and continues to do so daily up through current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: ID

Complaint narrative:
On XXXX XXXX, 2017 I attempted to contact Equifax via the following link to their website : https : //www.ai.equifax.com/? XXXX This website continously " times out '' and fails to load, thereby denying consumers access to correct their credit reports and dispute inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: NJ

Complaint narrative:
Advised Equifax that XXXX XXXX A XXXX was opened in my name fraudently. I never solicited business from them. It still remains on my credit.

Company response to consumer: Closed with explanation