vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-02 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: TX

Complaint narrative:
I have had issues with TransUnion for over two years now. They continuously show my credit score to be in the lower five hundreds and they will not take old information off my records for accounts that have been paid or closed out. I have notified the company several times and I have sent them documentary evidence of these accounts that have been paid and closed but they are continuously showing the same old information and they will not fix my score. I pull my annual credit report every year, plus I monitor my credit with XXXX and XXXX and they show accurate information and my credit score is in the mid six- hundreds. 
I used my credit for a home improvement loan and the company pulled my credit from Transunion and my score was XXXX. It makes me feel that Transunion is in fraudulent activity with these companies so that higher interest rates can be charged because they refuse to change and update information. 
Please help me rectify this problem with this company

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 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AND SEND BACK TO XXXX SO THAT THEY CAN INVESTIGATE AS YOUR COMPANY WAYPOINT NOT XXXX IS REPORTING AN ACCOUNT THAT IS A RESULT OF IDENTITY THEFT. I WILL BRING LEGAL ACTIONS IF THIS IS NOT REMOVED WHILE INVESTIGATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NY

Complaint narrative:
I had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.

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 2020-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I am in the process of purchasing a house. When they did the title search they found 3 judgment against me that I have never had a clue about until XX/XX/XXXX. 

These are part of XXXX XXXX dollars settlement with XXXX XXXX XXXX, COOLING AND WINER. 

All 3 of these were Robo filed without my knowledge and I have never been served on any of the 3 cases. 

Cases : 1 ) XXXX, filed by XXXX XXXX XXXX for amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

2. ) XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid XXXX & XXXX XXXX ; otherwise, I would not have been able to close escrow. 

3. XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I  paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

If you need any addtional information please contact 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 2020-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Santander Consumer USA did not report anything on credit report from XX/XX/XXXX to XX/XX/XXXX so I wrote them a letter to update my credit report and I explain to them I had a Medical issue so I was out of work From XX/XX/XXXX to XX/XX/XXXX so I could not pay on the account and I sent them the documentation to back up my claim and I made up all the back payments to get the account current that I owe instead they reported closed /charge off but the account is open / active but they will not report the payment to the credit are change it as open and current I am doing everything right with them to try to fixed this with them they refuse to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Since XX/XX/2020 i have been tryna cash out {$2500.00} my cash app but it won't connect to my XXXX XXXX account. I have asked cash app to reopen my account so i can link my bank but they will not take any actions to help me. That money was to be use for my kids medicine. I would greatly appreciate tour help with this matter i just wont to get my monwy and be done with cash app. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I was lured to opening an account because you could get {$25.00} off your first purchase, I was approved for {$1200.00} which I was happy about because I had been working to improve my credit and that validated I was doing a good job. I used that card I think I had a a {$400.00} something dollar balance I had gotten a bonus from work and decided I would go ahead and pay it off. After I ended up using the card two more times then did a return on one of the items, then went back to try and find something else on another day XX/XX/20 to be exact, when I went to check out the card kept declining, I was very embarrassed and asked if I could step aside and call them because I should have way more then enough to cover. Well when I call I am told that the account was closed on the XXXX, when I asked why she said that XXXX advised them to close the account because I had a lot of new inquiries I was like that is crazy, I was approved for the card through Comenity Bank. The representative told me to call XXXX   which I did three times and all 3 times they told me they do not do that, they don't notify companies after the card is approved, and that this particular account was in good standing and they were not even showing it closed so I called the bank back and they told me the same story but told me I could apply again in 30 days. This seems very unfair to the consumer, I was in great standing with the account made payments on time. paid balance in full, I mean what more do they want? So now if I want to apply again I have to take another hard inquiry on my credit. Once you are approved for a card and you keep it in good standing they shouldn't be able to close the account under false pretenses, this is why people are struggling with credit because they ae being railroaded by the credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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:
I had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.

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 2020-08-02 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:
I had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I have been making my auto loan payment and adding additional funds which were meant to be applied to the principal balance ; however, Santander refuses to apply and allocated them to fees. When I call them they stated they can apply the funds how they see fit which is unethical and against the law. They already have a class-action lawsuit that I would like to be part of but they refuse to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
An account for JARED-GALLERIA/XXXX  still appearing on my credit report. But i talk to someone to pay the complete balance and it would be removed in positive and its still showing negative. The account was paid in full already

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
Collection Bureau of America is reporting an incorrect amount. I have contacted them numerous times to pay the debt that is owed ; however, they want to charge additional fees and refuse to work with me to resolve the matter and remove the negative remarks from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: GA

Complaint narrative:
I have been disputing this account for a couple years now. Experian does not review information given in the comments for the dispute. I have sent in documentation to fix these errors and Experian has updated portions, but has left very hurtful and inaccurate information on many accounts. There are accounts that I have proven to be paid in full and Experian update the info but still it as a charge off. Much of the payment history in accurate and not on the credit report at all. I also have collections accounts on my report, but when calling to verify for myself, the information provided on the report does not match what these companies had. They could not verify without me giving them sensitive information ( SSN and DOB ). Experian, therefore could not have done an independent verification process with the original creditors. Additionally, there are things in collections that I have invoices for, showing creditors being paid on time ; Experian has updated that information as collections. They have also reaged debt with collect and have re-added information that was rightly deleted for lack of verification. I have also request information on how Experian conducts its independent investigation and have never received those reports.

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 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NY

Complaint narrative:
I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NY

Complaint narrative:
I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NY

Complaint narrative:
I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: TX

Complaint narrative:
I contacted XXXX regarding two accounts only Equifax report. They are 2 accounts that are not included in Bankruptcy. XXXX assured me that they would correct the problem. The credit report was corrected and then updated again to an Incorrect status. This has happened twice. When I call Equifax, I am advised that I should contact XXXX. When I contact XXXX, I am advised to contact Equifax. I have the documentation from XXXX showing that the accounts should not be in bankruptcy.. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion believe this request were not made by me. But the information I submitted, is exactly like the information I submitted in a dispute early last month. TransUnion is not appropriately responding. Their suggestion is that I dispute the information directly with them, which is a way out of being held responsible for their inaccuracies.

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 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I tried to contact Barclays Bank to obtain physical proof of the 5 late payments that are posted on my account with them. It has been over 30 days and I have yet to receive a response to my request. Also was not notified of my late payment status withe creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation