vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XX/XX/XXXX XX/XX/XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account.

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 2020-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CT

Complaint narrative:
On XX/XX/XXXX, I assumed a lease with U.S. Bank from an original lessee in MO that originated on XX/XX/XXXX. On XX/XX/XXXX, I was charged for property taxes assessed in the amount of {$1100.00} in the name of the original lessee in MO ; of which I am not the original lessee nor have I ever been a resident of this location. On XX/XX/XXXX, I requested a copy of the original property tax statement, via telephone, showing the taxes assessed in my name. I did not receive a copy of the property tax statement, but I received a copy of the official tax payment receipt eight months later ( printed by U.S. Bank on XX/XX/XXXX ). I contacted the XXXX County MO tax assessor to confirm their property tax laws, of which U.S. Bank did not apply within the Motor Vehicle Lease Assumption Agreement. U.S. Bank should have been attentive to the details of the XXXX County Missouri property tax laws at the time of the lease assumption, informed the original lessee, and noted the forthcoming personal property taxes due from them on the Agreement and as a condition to transfer the lease.

I have spent hours on the phone with U.S. Bank in regards to this issue ( since XX/XX/XXXX ) requesting : the official property tax statement, a property tax dispute, a property tax dispute request letter of submission in writing, a property tax dispute denial letter in writing, and the contact information of the tax department and/or the person who determined the dispute to be denied. Only, to be transferred to every other department but the tax department, having no record of the tax dispute denial letter, refusing to provide bank-based contact information of relevant points of contact, and not returning calls or responding to emails. I still to this day, have not received a tax dispute request letter of submission, a tax dispute denial letter, or the contact information of the point of contact who denied the dispute. 

This property tax dispute has been extremely stressful and unnecessarily time consuming. It has delayed my intentions of getting another vehicle, because of persistently communicating my law abiding argument and my concerns to prevent negative and erroneous credit reporting. As a XXXX veteran, this dispute has affected my health, created a financial burden for transportation to medical appointments, and remains unscrupulously unresolved. As a result of U.S. Banks imposition of predatory lending practices during this dispute, of coercive attempts to accept the responsibility of unlawfully charged and un-owned property taxes, through their actions of deceptive communication including failure to disclose and provide information ; I have contacted legal representation.

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 2020-02-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: WA

Complaint narrative:
I am a victim of the XXXX  data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. 
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 2020-02-12 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: CA

Complaint narrative:
I have contacted Equifax 3 times about a collection on my report under : XXXX XXXX, XXXX. 
ORIGINAL BALANCE {$140.00} CURRENT BALANCE {$140.00} STATUS ( AS OF XX/XX/XXXX ) UNPAID FIRST DELINQUENCY XX/XX/XXXX LAST PAYMENT Not Reported AGENCY NAME XXXX XXXX, XXXX. 
AGENCY NUMBER XXXX ORIGINAL CREDITOR XXXX and waited over 60 days for them to respond and they have not. This is the second complaint I have submitted and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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:
I sent your company my dispute on XX/XX/XXXX which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2020-02-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-02-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have not lived at XXXX XXXX XXXX since XX/XX/XXXX and Hunter Warfield put on my credit that the debt was opened in XX/XX/XXXX for an eviction. I haven't received any documentation and I am not sure who lived there in XX/XX/XXXX but I can prove I haven't live there since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 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: WA

Complaint narrative:
I am a victim of the Equifax data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at

all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: WA

Complaint narrative:
I am a victim of the XXXX  data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. 
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 2020-02-12 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX {$650.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX  XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMS Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I contacted FMS to resolve my debt based on my credit report. I asked the representative what my total balance was with their company and she looked up several accounts and gave me a large sum. I asked for a settlement offer and was told {$520.00}. I accepted that offer and paid that sum of money. I paid {$520.00} and thought that it was the end of my business with FMS. 
On XX/XX/XXXX I received 2 bills in the mail for 2 more accounts with FMS dated back to XX/XX/XXXX. I re-checked my credit report and continue to see 4 balances with FMS which are different than what is listed on the bills. I contacted the company and they didn't seem to have any knowledge of the paid accounts. After providing extensive information, They finally located my payments and informed me that I paid for a number of other balances but that these balances are unpaid. They refused to tell me which balances have been paid ( so I can distinguish the paid balances that are inaccurate on my credit report ) and they are unable to provide me with an explanation of why I still owe them after I was given a settlement balance offer to settle all of my accounts with FMS. 
I was told that I was settled up with FMS only to find out that they did not disclose 2 accounts and they are continuing to try to collect on those accounts but will not provide the info for what I have actually paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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:
On XX/XX/2020, I spoke with Ms. XXXX at the XXXX County Child Support office XXXX stated that this account is reporting in error. She asked me to dispute this account. As I told Equifax many times in the past that this account is not mine and all of the information reporting was inaccurate. I don't have any child support cases in Alabama ( period ). Please contact Ms. XXXX to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 

1.By XX/XX/XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX XXXX XXXX collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in XXXX  but still there and pay just to finish this quick so i dont get my credit bad. 

3. BANK SANTANDER USA ( XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial
State: GA

Complaint narrative:
I work for this company. I am filing this complaint on behalf of the customers with Merchants Preferred and XXXX. These companies are violating several laws. Merchants Preferred is taking payments days early without letting the consumer know. And XXXX has customer calling about unlawful acts that their workers are doing to the consumer. I don't know who to contact to try to stop these unfair acts. What needs to be done so that these customers are treated fairly.

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 2020-02-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XX/XX/2020 I have been trying for nearly 3 weeks now to get my freeze lifted at Experian. It is next to impossible to get to a live person through any of the multiple numbers listed on their website or those listed on XXXX. Their interactive voice response ( IVR ) and/or automated caller detection ( ACD ) system also makes it impossible to get a freeze lifted ( or placed ) - let alone talk to a human. The first two weeks I tried calling these numbers - their system kept cutting me off with " I'm sorry, I didn't get that ''. Dead-end. I was finally able to retrieve my lost PIN code about a week ago using their website after jumping through enough hoops to establish my identity. I have since tried multiple times per day to call using my PIN code as well as use their website to lift my freeze. However, even with my PIN code - the only thing I can do to lift my freeze was to snail mail multiple documents to their PO Box in XXXX TX. I need the freeze lifted ( ASAP ) in order to proceed with a possible mortgage refinancing. I sent my letter to their PO Box on Saturday, XX/XX/2020 via USPS express mail. It is now close of business 3 business days later - and my account is still locked. My letter should have landed in their PO Box Monday, XX/XX/2020. I frequently lock and unlock all 3 of my credit bureau accounts and have NEVER experienced any thing as frustrating as this. I thought that after the Experian data breach - Congress had passed new legislation ensuring the bureaus made it easier and FREE to process these transactions. It seems that this egregious behavior on the part of Experian should be illegal. Seems to me that if I were a subscriber or paying customer for one of their 'services ' this would not be an issue.

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 2020-02-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
After reviewing my Credit report with all 3 major credit reporting agencies I noticed Portfolio Recovery Associates, LLC located in XXXX XXXX XXXX., XXXX, VA XXXX have reported a derogatory item under my SSN claiming I owe them {$600.00}. 
I wrote to them and sent a letter via USPS certified mail requesting additional information, and documentation bearing my signature on XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. 
In all 3 instances in the span of 4 months, they have only responded with two pages of XXXX XXXX interest charges, with no details of any charges or documents bearing my signature. I also disputed this item with all 3 credit reporting agencies, and Portfolio Recovery Associates, LLC only responded to them as accurate with no additional info or documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: CA

Complaint narrative:
There is a bankruptcy on my credit report report. I have disputed this item and they will not remove this item from my credit report. I dont have a bankruptcy and this item is not accurate. Experian has failed to remove this item from my report and furnish me with the information of where they received this reporting from. I have proof that this item is not mine nor accurate. Also, the comenity bank account should be removed from my report as well. I have a resolution agreement directly from the creditor. I did not authorize them to access my credit as well.

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