vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX/XXXX  Equifax indicates that it is up to me to provide information to them regarding hard inquires for 2 XXXX hard inquires on my credit report. Also, on XX/XX/2021 after specking with Equifax over night my credit score dropped XXXX points? Also, three derogatory remarks have also been placed on my report. I was told by " consumer Affairs '', to file a police report. A score can't drop XXXX point 's in just one day? I find this suspicious that this happens after I contacted Equifax to file this dispute. Also, XXXX a supervisor did tell me I have to report my new address to each agency, if I ever move? That is not true, I was informed by the " CFPB ''. I was at XXXX on XX/XX/2021, but overnight it went down XXXX point 's, how can that happen? All the other agency I have a outstanding credit score 's. it has been over thirty days, I need this to be corrected, this has been disputed before. I did not want to go to the police or file a complaint with the " CFPB '' or " Consumer Affairs ''. I have also been advised that I might have t file a complaint with my State Attorney General. 

A gentleman in the XXXX and a gentleman named XXXX refused to dispute the hard inquires. They told me I had to get an attorney with my notarized signature to have them removed. 

I told them that I HAVE NOT applied for service with XXXX and that I want the hard inquires removed. They both refused to file a dispute with their employer regarding these inquires. XXXX has NO records of me applying for service. I have been on the phone for over 40 minutes trying to get someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: IN

Complaint narrative:
I, XXXX XXXX, sent an Affidavit of Truth to Transunion certified mailed ( XXXX ) and green receipt returned and signed. 

The affidavit of truth states that transition is in several violation of federal law 15 USC 1681b ( a ) ( 2 ). I never gave transunion consent to furnish items on my consumer report. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from a consumer report. Transunion is in direct violation and has violated my rights as a federal Protected consumer

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 2021-03-22 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: NV

Complaint narrative:
There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. 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 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I have my boat loan with Yamaha Motor Financial company. They have terrible costumer service for one. And two, I have my account set up with auto-pay. My bank does a 5 day check payment, and only withdraws the money once the payment has processed with the payee. Yamaha is claiming they did not receive my payment until 2 days after the due date, and now charging a late fee. My bank statement shows that my payment posted with Yamaha on the due date. I submitted my proof with Yamaha and they are still refusing to reverse the late fee charges! I HAVE PROOF of payment on time!!!! Yamaha is TERRIBLE!!!! 
*I also make larger payment amounts, not just the minimum payments. Oh, and double payments. So, tell me why they won't reverse their mistake on an account that is an upstanding one??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I had a 3 year lease on a XXXX with auto payments and it was returned in XX/XX/XXXX. I have never missed a payment on any bill since year XXXX. In XXXX XXXX I moved and notified XXXX of my address change. Apparently there was a final bill for {$730.00} for inspection and return. That payment should have been taken from the Auto payment. I never received a bill. A year later I received in the mail at current address a notice of amount due {$730.00} from XXXX XXXX. I called them and told them I would pay some of the bill. There were inaccuracies as to an accident where a XXXX insurance payment was paid by the person at fault to XXXX ... also a year after auto was returned. 

I called XXXX twice and I was forwarded to a deptartment that had closed the case. No one answered and I could not leave a voice message, because the account was closed. 

I wrote three times to XX/XX/XXXX and they sent me in the mail a " Your Dispute Results '' which gave me my report of delingquent payments on all accounts, but said nothing about my dispute.

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 2021-03-22 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: NJ

Complaint narrative:
I have been a victim of identity theft please help 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 non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: WA

Complaint narrative:
Bank required {$1000.00} in direct deposit for 3 months. {$1000.00} in direct deposits were made to the bank for 3 months. Award was meant to payout in XXXX. 

XX/XX/21 : Sent message through online portal, no response. 

XX/XX/21 : Called main Bank of the West line ( XXXX ), transferred to local bank, who said they will " look into it '' and send an email the following day, received no further communication.

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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I received a notice of an updated Credit Report from my Dedit Card Company ( Discover Card ) on XXXX XXXX issued by TransUnion. The report indicates that My credit standing went from XXXX in XX/XX/XXXX to Fair in XX/XX/XXXX including all the months from XX/XX/XXXX to XX/XX/XXXX. 

I tried to resolve the issue with TransUnion on their Website and by Telephone to no avail Since I do not have a current USA mailing address. I do not live in the USA although I maintain credit cards and bank accounts in the United States. I provided TransUnion with a prior address that I had used while on vacation sometime back and they did find my credit report, although would not provide me with the information via electronic messaging.

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX a payment was issued from my title company via check in the amount of {$8400.00} to Macy 's Credit Card services. The check was to pay-off my account balance from a refinance on my home. Macy 's received the check and posted it ( cashed it ) on XX/XX/XXXX. The money never was posted to my account. After calling Macy 's customer service they can not find my money. Macy 's misappropriated the payment. I provided them a copy of the transaction from the bank to confirm the payment belonged to me with my account number and filed a dispute with Macy 's. To this date, XX/XX/XXXX, no one will provide me any information. They only say that it is being investigated and can take 30 days or longer! I have asked them to credit my account for the amount I paid. I can never speak to a manager, no one provides me any information! PLEASE, I NEED HELP with this issue. This is a lot of money!

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 2021-03-22 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: FL

Complaint narrative:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
This is my second time submitting a complaint. The first time was on XX/XX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.

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 2021-03-22 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: CA

Complaint narrative:
This is my second time submitting a complaint. The first time was on XX/XX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
An Ohio Department Job & Family Services data breach a card issued wrongly.

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 2021-03-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 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 2021-03-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I bought a {$500.00} Vanilla go VISA gift card at XXXX in XXXX, NC. 

On XX/XX/XXXX, I reported it lost to the Vanilla VISA company at the phone number listed on their website https : //www.vanillagift.com/ ( XXXX XXXX XXXX. 

It had a balance of {$170.00} on it. They told me to send them copies of the receipt and my Driver 's License to XXXX. They told me they would send a replacement card within 30 days. It did not come in the mail. 

On XX/XX/XXXX, I called to tell them that I had not received it and they told me to wait for another 30 business days. It did not come in the mail. 

On XX/XX/XXXX, I found the card and checked the balance but it was empty. I called them and talked to XXXX, and she said to continue waiting for the replacement card to come in the mail. It did not come in the mail. 

On XX/XX/XXXX, I called to tell them that I had not received it, The man I talked to asked me for more personal information, and i was stupid enough to give it to him. He then told me to wait another 30 business days. It did not come in the mail. 

I actually waited to call them this last time because I felt so frustrated about it. 

On XX/XX/XXXX, I called to tell them that I had not received it and when they told me to wait another 30 days, I politely told them I had to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX, CitiBank agreed to deposit {$400.00} into my checking account within 5-7 business days, per CFPB complaint XXXX. It has been 14 business days, and CitiBank has not deposited {$400.00}, nor responded to my messages. I took the following actions : XX/XX/XXXX : I sent a followup email stating it has been 9 business days, no response. 
XX/XX/XXXX : Sent a followup email stating it has been 11 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was told " XXXX '' wasn't available and " no one else '' at CitiBank could possibly help. Left message, no response. 
XX/XX/XXXX : Reached out to @ XXXX customer support on twitter. Escalated for an " immediate review ''. No response. 
XX/XX/XXXX : Followup email stating it has been 14 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was directed straight to a voicemail despite it being business hours, twice. Left message, no response.

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 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. 

I called Congress Collection, spoke to XXXX account manager, who was very rude, disrespectful, and unprofessional. Just taking me in circles to force me to pay for something I do not even owe. 
When I asked XXXX for details, her answer was always, I don't know, that's all I have. 


Account Name : CONGRESS COLLECTION Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date Opened1XXXX StatusCollection account. {$320.00} PAST due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
i have been a victim of identity theft please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NV

Complaint narrative:
There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. 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 2021-03-22 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: NV

Complaint narrative:
There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
CFPB complaint template. 

have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/2021, XX/XX/2021. In the final letter on XX/XX/2021 I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. If these Items aren't removed immediately I will file a suit against the bureau. 

Creditor : XXXX XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including last reported and the last active date. By not removing this account and reporting it as accurate you are breaking the law

Company response to consumer: Closed with explanation