vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
As consumer and beneficiary the this account I assigned XXXX XXXX XXXX as trustee to handle and close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21 I applied for a credit card online and gave consent to hard Inquiry credit check, experian credit score used to make credit decision and offer for approval is almost 16 months old.. my current score is XXXX by XXXX XXXX credit monitoring, XXXX by experian 's own app but my score on XX/XX/21 by XXXX XXXX XXXX for a XXXX XXXX card was XXXX. I highly doubt 100 points of discrepancy is data from experian. 
Please provide a credible explanation. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NY

Complaint narrative:
I disputed severeal incorrect and incomplete items from my credit report to 3 credit bureaus and none of them have answered 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 2021-01-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am XXXX years old and had applied for a loan and was told about my credit, I was in very surprised and started trying to resolved this issuses

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NY

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX. 

I have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit report. I have tried multiple times to dispute it to be removed, I have sent them letters from the original creditor stated on the account proving they have no data for that account ever existing never the less being mine. 30 Days ago ( XX/XX/2020 ) I sent over a dispute letter with the proof I received by mail from the original alleged creditor so they may remove the account. I have not received my results or any reply by mail to this matter. They are now in violation of my rights and need to be held accountable for causing such hardship. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. Along with letters from the original creditor stating they have no proof of the negative reported account ever existing. This would mean the bureau had no way to validate this negative item and should have removed it. 

Also the credit reporting agency mentioned above has failed to respond to me with investigation results or removed the item within the allotted 30 day window and is now or very soon to be in violation of my consumer rights. I am requesting your assistance in putting an end to this ridiculous matter. PLEASE ORDER THE CREDIT BUREAU TO DELETE THIS INCORRECT, FALSE ITEM FROM MY CREDIT REPORT. This item has affected me terribly and completely handicapped my life and business. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/21 I deposited a secure check. I was told it was a cashiers check. This was from my new employer. He overnighted me a check to deposit in the amount of {$9500.00}. The next day he asked me to get a cashiers check with that money for {$5500.00} and deposit it into his vendors account at XXXX XXXX so he could purchase office supplies and have them sent to me. On XX/XX/21 I received Notification from Bank of America that my account was negative. 
I contacted my new employer and he said that was impossible for it to not clear and would call his banker. He emailed me and said everything was ok and his office supplies were purchased and there must be something wrong on his part of the bank and would get back to me. He has not returned my calls or txt or email. I called XXXX and they said because I deposited the first check in my account I was at fault here. They said because I purchased the second cashiers check with the money I have to pay it back. I explain the situation to them I told them that I felt I was a victim of fraud here. They confirmed that the original cashiers check for {$9500.00} has been stopped from XXXX XXXX. Which is the bank that the first cashiers check was from my new employer. It was an XXXX firm. XXXX XXXX. The mans name is XXXX XXXX. His business is supposed to be out of XXXX XXXX. He says he lives in XXXX Or now. He said he was originally from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NY

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against Trans Union, XXXX. XXXX XXXX, XXXX, PA XXXX. 

I have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit report. I have tried multiple times to dispute it to be removed, I have sent them letters from the original creditor stated on the account proving they have no data for that account ever existing never the less being mine. 30 Days ago ( XX/XX/XXXX ) I sent over a dispute letter with the proof I received by mail from the original alleged creditor so they may remove the account. I have not received my results or any reply by mail to this matter. They are now in violation of my rights and need to be held accountable for causing such hardship. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Trans Union to date. Along with letters from the original creditor stating they have no proof of the negative reported account ever existing. This would mean the bureau had no way to validate this negative item and should have removed it. 

Also the credit reporting agency mentioned above has failed to respond to me with investigation results or removed the item within the allotted 30 day window and is now or very soon to be in violation of my consumer rights. I am requesting your assistance in putting an end to this ridiculous matter. PLEASE ORDER THE CREDIT BUREAU TO DELETE THIS INCORRECT, FALSE ITEM FROM MY CREDIT REPORT. This item has affected me terribly and completely handicapped my life and business. 

Thank you for your assistance.

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 2021-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX years old and had applied for a loan and was told about my credit, I was in very surprised and started trying to resolved this issuses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NC

Complaint narrative:
I am XXXX years old and had applied for a loan and was told about my credit, I was in very surprised and started trying to resolved this issuses

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 2021-01-30 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Hello my name is XXXX XXXX XXXX thank you for helping me fix my issues with my identity theft problem I've had since XXXX. I've reported my credit report and have had disputed these fraudulent claims that someone else has used my info to gain funicular finicial gain without my knowing. I don't want the person to be imprisoned or hurt I just want my credit report fixed and my numbers back to my own good hard earning works that I deserve. I found out all these problems through experian and here is my birthday XX/XX/XXXX ... ..and Ssn XXXX and my prior address was XXXX XXXX XXXX XXXX XXXX utah XXXX I'm now homeless due to my credit being robbed and I can't get into a apartment please help me so I can get a home I'm on XXXX XXXX XXXX and also have XXXX I'm responsible for bills to be paid when due and any repposponble payments I owe but I can't seem to even get an apartment due to my identity theft on my credit arrrgh ... XXXX Can you please help me everything on my report is identity theft related I have police report numbers and case numbers I have the documents to prove that I've done none of this.. I've even had to the social security office to get my name changed and new social security number which I'm working on ... Anyways thank you for all your help ... my email is XXXX and phone number 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 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX {$800.00} is removed from my Bank of America checking account. The description is " XXXX* XX/XX/XXXX PMNT SENT Visa  XXXX NY ''. The type of transaction is " Debit Card ''. The transaction category is " Cash, Checks & Misc : Other Expenses '' My XXXX app does not show any record of me sending {$800.00}. 

XX/XX/XXXX I file a claim to dispute the charge. 

XX/XX/XXXX A temporary {$800.00} credit is applied to my account by Bank of America. 

XX/XX/XXXX Bank of America deems the transaction non-fraudulent and closes the claim. The temporary {$800.00} credit is removed from my account. They say that the documents detailing their resolution will be mailed to 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 monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee to settle and close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MA

Complaint narrative:
I purchased a new car from XXXX XXXX XXXX of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay XXXX was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted XXXX  on multiple occasions but they were never able to fix the issue. 

In XX/XX/XXXX I realized that XXXX XXXX were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to XXXX XXXX via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to XXXX XXXX, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

XXXX XXXX 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from 660  to the 750 range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I purchased a new car from XXXX XXXX XXXX of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay XXXX/XXXX was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted XXXX/XXXX on multiple occasions but they were never able to fix the issue. 

In XXXX of XXXX I realized that XXXX XXXX were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to XXXX XXXX via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to XXXX XXXX, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

XXXX XXXX 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from XXXX to the XXXX range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!

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 2021-01-30 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: PA

Complaint narrative:
In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.

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 2021-01-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.

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 2021-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The collection lady removed my cell phone number and mentioned unlimited collecting calls, so scared this compamy will reposses the vehicle. 
XXXX the supervisor mentioned it would not happen, please help

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee to of this account to close and settle this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Business Credit Reporting agency has failed to generate reporting of my PAYDEX score. 

Several times I have contacted Experian Business Customer service department request that my business tradelines from the following accounts place for credit basis. 

XXXX XXXX XXXX XXXX credit card XXXX XXXX business credit card XXXX and XXXX loan 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