vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
Fortiva closed my account because I exceeded my limit. They sent me notice in the mail, in that notice it stated that I could call and make payment arrangements. When I called the Rep told me that my payment due for XXXX would be {$47.00}. A minimum payment of {$140.00} is showing online and in my statement. I wanted reassurance that if I paid the {$47.00} it would satisfy the XX/XX/XXXXpayment due. He said that only if I make that payment right then and there on the phone that it would. He could not provide any documentation that this was indeed true. I asked if it the payment amount would update online and he said if I tried to pay online I would have to pay the {$140.00} and it would not update to the new arranged amount. My due date is not until the XXXX, and I alway pay online, I simply wanted to pay closer to the due date. The Rep then said it was all still in process and that I needed to pay immediately. Keep in mind I have never been late, and all my payments have been made online. The letter they sent clearly states that I CAN make arrangements, the Rep could neither explain this or did he care to explain how I would ever have documetation of such payment arrangement. I would ask that the phone call be pulled so that CFPB can hear the circles and lies that were being stated by the Rep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In XXXX I applied for a personal loan with Citizens bank after receiving a pre-qualified offer. I was approved for XXXX but, after being persuaded to seek a lesser amount by my Citizens representative, applied for XXXX. A hard inquiry was placed on my credit report and I was approved for the loan. The next day I was a lsked to send documents to an email address, which I did however after I receive no response for a few days I called to confirm the receipt of said documents. We got to the point where I was told I had been given the wrong email address and the representative provided me with the correct email address. Not only did this delay the processing of my application but also put my personal information at risk. I resent the documents on XX/XX/XXXX and received an email notification on XX/XX/XXXX confirming the receipt. No further communication was put forth to me from Citizens Bank until XX/XX/XXXX when I called them. I was informed that less than 24 hours after the documents had been received on the XXXX they had processed a decline because they had not received the information. When I spoke to a manager the story was changed to they could not verify some part of the information. They were not able to tell me which part if my information was problematic just that the only way to reconsider the application was to fill out a new application and have a new hard inquiry put on my credit report once again. This whole experience had been misleading and the fact that I was given the wrong email address to send personal information to is grossly unprofessional and alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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:
I went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account Affirm Acct XXXX, XXXX, XXXX and XXXX XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX/XXXX XXXX XXXX   XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX/XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry.

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 2019-07-08 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: FL

Complaint narrative:
I went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account XXXX Acct XXXX, XXXX, XXXX and XXXX XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX   XXXX I XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry.

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 2019-07-08 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: TX

Complaint narrative:
XXXX XXXX XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXX credit card.

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 2019-07-08 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: TX

Complaint narrative:
XXXX XXXX  XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.

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 2019-07-08 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:
Between XX/XX/2019 and XX/XX/2019, your account with XXXX XXXX  was removed from your credit report. 


Between XX/XX/2019 and XX/XX/2019 the following remarks were added to this account : Reaffirmation of debt I was not informed, and by law you must give a written notice within 3 days ... you are in violation There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow ... this is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: AE

Complaint narrative:
I was taking a look at my credit so I can begin to start looking for a home once back in the US and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: NY

Complaint narrative:
Hello This complaint is against the three credit reporting companies. XXXX, Trans Union and XXXX. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. 
The response from XXXX and XXXX  was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XX/XX/XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX and XXXX a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XX/XX/2019 they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

Trans Union never responded to my letter dated XX/XX/2019 to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with TransUnion, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XXXX, XXXX and Trans union all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, Trans union did not even respond to my investigation request.

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 2019-07-08 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: NY

Complaint narrative:
Hello This complaint is against the three credit reporting companies. XXXX, XXXX XXXX and equifax. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. 
The response from XXXX  and Equifax was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX  and Equifax a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

XXXX XXXX never responded to my letter dated XXXX XXXX to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with XX/XX/XXXX, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XX/XX/XXXX, Equifax and XXXX XXXX all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, XXXX XXXX did not even respond to my investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: NC

Complaint narrative:
XXXX XXXX, also notated as XXXX was deleted from my TransUnion report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. 

XXXX XXXX has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which XXXX XXXX was and is in violation.

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 2019-07-08 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: NC

Complaint narrative:
XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by 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 2019-07-08 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: NC

Complaint narrative:
XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by 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 2019-07-08 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: GA

Complaint narrative:
Between XX/XX/2019 and XX/XX/2019, your account with XXXX XXXX was removed from your credit report. 


Between XX/XX/2019 and XX/XX/2019 the following remarks were added to this account : Reaffirmation of debt I was not informed, and by law you must give a written notice within 3 days ... you are in violation There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow ... this is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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