vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX am making this complaint myself, there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE DELETED 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 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Procollect Services LLC
State: ND

Complaint narrative:
I was served legal paperwork on XX/XX/XXXX from ProCollect Services seeking judgements against me for non-payment. I feel very threatened by this as I have never received any billing for these and the complaint and summons had no case numbers and have not been filed with the court in XXXX XXXX. The first one is XXXX XXXX and its affiliates in the amount of XXXX. I have never received any billings or correspondence from XXXX XXXX or ProCollect Services regarding any unpaid bills. I have had medical insurance be it through XXXX or my employer for the last 6 years so any charges should have been ran through my insurance. I moved in XXXX and have not been to XXXX XXXX or any of its affiliates since. XXXX XXXX and its affiliates have never showed up on my credit report showing that I had an account in collection. The second judgement they are seeking is for XXXX XXXXXXXX XXXX in the amount of XXXX. In XXXX XXXX XXXX XXXX repossessed my XXXX XXXX and after that I never received any correspondence or billings from XXXX XXXX XXXX  or ProCollect Services stating that I still owed anything. According to my credit report XXXX XXXX XXXX charged off XXXX in XXXX of XXXX and is in closed account status not collection status. ProCollect Services have not been listed on my credit report as representing XXXX XXXX or its affiliates or XXXX XXXXXXXX XXXX  to collect any unpaid bills. I find all this very unsettling and unnerving as I live in a very tiny town and now I'm sure most are wondering why the sheriff was at my home which is very embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted an FTC report indicating they have been fraud on my account, I did not consent to the following inquiry. 

Date : XX/XX/2020 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have more than {$400.00} in one of my Citi double cash account and found out that all my cash back were wiped out completely without any notice. Contacted the bank and were told they expires after 12 month even tho my account is in good standing. I put all my spending on this particular card last year and I haven't been able to spend much money because I am an XXXX XXXX XXXX  and been on XXXX most of the year due to COVID. I tried to explain my situation and were told there's nothing they can do at all. No notice/email was sent out about the award points going to expire within a year even when the account was always paid full on time each month.

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 2021-09-12 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
My ATM card has been deactivated on the same day it was activated back after a few transactions. My husband was there helping me out trying to activate my card back. Today XXXX of XXXX, my husband told me both of his cards were deactivated as well by USAA. So he called and got his cards to reactivate back, I also was talking to the representative and raised some concerns about how my card was deactivated by their system on the same day it was activated. I was finished talking to her, she hung up on me and before she hangs up she did confirm that they will turn my ATM card back on. To me, this is very back customer service and I was very frustrated with how they emotionally abuse their customers. I got mad and I transferred some of my funds at XXXX XXXX and still, they are holding these funds against me. 
I am a XXXX XXXX and these activities took place after I received my funds from XXXX XXXX XXXX XXXX I do not have a job in the meantime this is my only source of income. 
I can not use my atm card and I can not log in to their bank system. I am reaching out to other authorities for help because this is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: MT

Complaint narrative:
The XXXX XXXX XXXX sent me a letter future-dated XX/XX/2021 stating that a correct copy of the certificate to levy my bank account. On XX/XX/2021 they levied my bank account for {$1700.00} without my knowledge. nd did not provide any of the following information that I requested : 1. ) What is the debt for?

2. ) Proof that this was my debt?

3. ) What date the debt took place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime closed my account and named it fraudulent and refused to open the account and release my funds being held even when I sent the proper documents to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/2021 I mailed a certified Debt validation letter to Navient- Department of education . In this letter I stated " Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I sent copy of documents via tracking and promised to receive by XXXX in 7 working days It is XX/XX/XXXX and XXXX has NOT received envelop I will send again via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NJ

Complaint narrative:
I noticed multiple accounts on my report I do not recognize

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 2021-09-12 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: NJ

Complaint narrative:
I noticed multiple accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NJ

Complaint narrative:
I noticed multiple accounts on my report I do not recognize

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 2021-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self is reporting these 2 accounts as open which is making my XXXX reporting raise 47 points & drop 47 points, this account was charged off based on the total I paid into the self installment account that they never refunded to me. This is not only a violation of the FDCPA but its also a violation of the FCRA to unlawfully report a charged off account as current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I did not answer the phone and so I called back the caller, I waited to hear what they had to say and then told them that I do not believe that I owe any thing to the company due to only having funds in one financial institute for many years. Just recently I had received some funds through the institute which this collection company states I owe from, the funds were from my father which made me a private client at XXXX, and I believe if I owed any thing they would have brought it up over the last almost 2 yrs. In order to be a private client you must have excellent standings within the financial institute. So for me to receive such a call and in a language that was not in English, I asked for documentation. I received the documentation but it is not accurate nor familiar at all to me. It doesn't really say anything except some fraudulent payments and judgment info that is not even on my credit report. I do not want them to think they have the right to try and put some collection on me that's not mine. Also they have done this in the past and finally said okay its not your debt and stopped sending and calling me about it. That was about a year and a half ago and now its something else. They used a court house in XXXX XXXX to use as a back up for them and its a clerk that is doing this there. I will attach a copy when I am able while sending this to you. The Midland Collection
Company has a real bad reputation for fraudulent reporting as well as their collection methods... quite honestly I'm tired of them always trying to prey on those they do not think will fight back. I am prepared to go all the way. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I cant find my Edd card in my mailbox earlier so I got it recently and didnt meet any amount on it, I got it recently and couldnt find anything on it anymore I receive a debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 The last debit was {$750.00} all was Direct deposit transfer funds to checking/savings account I really need this money for myself cuz Im stuck out here, need some help no one if helping

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 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fraudulent transactions where found on the account I would like to release all attachments to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: MO

Complaint narrative:
I was looking at my credit report and I'm seeing inquires that I do not recolonize and want those removed. I believe that are the result of what I believe to be fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors. Some of these are the result of attempts to open accounts, but the companies did not approve these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: MD

Complaint narrative:
Experian and XXXX have a police report on file stating the XXXX account on my credit report was opened fraudulently. This account had been previously deleted already but is now reporting again.

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 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Both XXXX and transunion show an illegal credit card account opened on XXXX XXXX, by XXXX in my name that shows on my credit report. I took all the proper steps in XXXX to report the illegal use of my identity from making all the calls, making a police report and freezing my credit. 
My credit score which before all this was around XXXX, now it is still showing XXXX and XXXX. When is my credit score, that was hurt greatly after closing the illegal account by 11 points, going to be fixed???

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 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They never acknowledged that my identity was stolen when I called in and told them.

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 2021-09-12 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: MD

Complaint narrative:
XXXX and Equifax have a police report on file stating the XXXX account on my credit report was opened fraudulently. This account had been previously deleted already but is now reporting again.

Company response to consumer: Closed with explanation