vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 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: AZ

Complaint narrative:
I have a revolving credit account with XXXX XXXX XXXX of XXXX, AZ opened in XXXX. In XXXX, XXXX, I paid off the balance I owed, almost {$20000.00}. Equifax has continued to inaccurately report I owe a balance of {$19000.00} as of XX/XX/XXXX. The other two credit bureaus, XXXX and XXXX, both correctly report a XXXX  balance on this account with XXXX XXXX XXXX. I have disputed the inaccurate balance reporting with Equifax twice, once online and once over the phone. Initial dispute # XXXX filed XX/XX/XXXX and subsequent dispute # XXXX filed XX/XX/XXXX. Twice the results of these two disputes continue to inaccurately report I owe the same balance, {$19000.00}. On XX/XX/XXXX I spoke with customer service representative XXXX at XXXX XXXX XXXX. I inquired about the error in my balance owing reporting by Equifax. She could only confirm that my balance was XXXX  and that XXXX XXXX XXXX reports to all three credit bureaus each month. XXXX suggested I dispute the error with Equifax. 
I then spoke with a customer service representative XXXX from Equifax on XX/XX/XXXX to inquire as to why the first dispute I submitted online did not correct the inaccurate balance reporting problem on my XXXX XXXX XXXX account. She suggested I dispute the inaccurate reporting of the amount owed again. I did so with her assistance over the phone. The results of the second dispute continue to show the same inaccurate balance owed, {$19000.00}. She did advise me that I could add a consumer note to this account disputing the amount owed. While all well and good, this does not change the calculated Equifax credit score that includes the inaccurate report of a balance due at XXXX XXXX XXXX of {$19000.00}. I was told there was no other method of correcting an error other than to continue to dispute it and include a consumer note on that account. This is fraudulent and abusive behavior committed by Equifax. I ask that this be investigated and corrected immediately. Willfully providing inaccurate account balance information to my creditors and potential creditors after being told twice of the inaccurate reporting is both harmful to me and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: AL

Complaint narrative:
I disputed this account XXXX XXXX  back on XXXX and XXXX of this year. This item was deleted but now it has been reinserted on my credit file. This is a major violation because this account is not mine and it has been reinserted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this due to non-compliance with XXXX, XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-17 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:
I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was 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 2020-05-17 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:
I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX. So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through XXXX  on XX/XX/XXXX and through Equifax on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve the debt. I also disputed on XX/XX/XXXX with XXXX  that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through Experian on XX/XX/XXXX and through XXXX  on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to resolve the debt. I also disputed on XX/XX/XXXX with Experian that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.

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 2020-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this due to non-compliance with Equifax, XXXX, XXXXXXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: TX

Complaint narrative:
I am writing this due to non-compliance with XXXX Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On approx XX/XX/2020 I contacted Equifax asked them to put a freeze on my credit, they gave me security questions to answer I complied. They told me they could not freeze my credit, I said the other 2 reporting agencies allowed me to freeze my credit online why will you not. They said we can't do that. I then asked them where my XXXX check was for the class action suit for the privacy breach they couldn't answer that either. A huge unjust action from Equifax towards me a consumer. Nothing fair about the way Equifax does business. I want my credit frozen due to identity theft and I also want some answers about my check they owe for breach of privacy. I chose the cash option because I had credit monitoring services with one of my credit cards. Thank you for your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I called TD Auto Finance on XX/XX/20 and was offered 2  month extension not due again til XX/XX/20. They have never processed this after repeated phone calls and now received a collections letter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17 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: CITIBANK, N.A.
State: CO

Complaint narrative:
A merchant refunded my purchase back to Citi Cards on XX/XX/XXXX in the amount of {$7400.00}. I requested that credit be deposited in my checking account. Citi has verified the sum, does not deny the validity of the credit, yet will NOT transfer this back to me. Numerous requests, status requests, and even closing my account has NOT resulted in an actual transfer to my checking account. They have promised transfer numerous times in 'three days ', in '10 days ', 'tomorrow '. None of their promises have been met, causing me problems.

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 2020-05-17 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:
I settled three accounts that were charged off and reporting negatively. I was told by each creditor or account holder the accounts would be removed within thirty days.

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 2020-05-17 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:
I settled three accounts that were charged off and reporting negatively. I was told by each creditor or account holder the accounts would be removed within thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: MA

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 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 Boost. 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 2020-05-17 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: MA

Complaint narrative:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 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 explanation
Consumer complaint received 2020-05-17 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: MA

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 November 22, 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, XXXX XXXX or Equifax   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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: NY

Complaint narrative:
I settled three accounts that were charged off and reporting negatively. I was told by each creditor or account holder the accounts would be removed within thirty days.

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have done business with this credit issuer for nearly 7 years. I have always had 100 % on time payments and have paid the balances off, utilized the card multiple times, and paid the balances off again. Synchrony closed one of my accounts last year ( after I had paid it off, used it, and paid it off again and had a XXXX XXXX ), saying  they had checked my credit report recently and considered me to be high-risk. I admittedly had kept high balances, however, again, I pay my cards on time, pay balances off and then utilize my cards to try to build my credit up. I have been paying my cards down and lowering the overall balances on the cards. Today I received notification that Synchrony closed another one of the accounts they service. I have had the card since 2013. Ive used it multiple times and paid it off multiple times, most recently back in XXXX of this year. From reading reviews of Synchrony by other customers, this is a common practice Synchrony engages in - closing accounts of customers that are in good standing and that have been utilized for years due to a perception of the customer being high-risk. I understand financial institutions are afraid customers wont pay their bills, however, I have ALWAYS paid my bills on time and for Synchrony to do this to me not only reflects badly on my credit, but it makes me lose my faith in dealing with financial corporations. I work hard to build my credit and for this company to deal with me in this way is just very disappointing.

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