vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: TN

Complaint narrative:
The XXXX credit bureaus are not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from neither bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I get called everyday from MCM. I keep telling them to stop calling me. They called my roommate who no longer lives with me and that is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Im relocated from XXXX to Texas. My contract will end XXXX, XXXX, XXXX and Im about to leave the US. My last day in Texas will be XXXX, XXXX. 
I opened a Citi Credit Card account in XXXX and opened a Citi XXXX XXXX XXXX as well. I put a deposit of {$10000.00} on this account. 
In preparation for my return to XXXX I canceled this account on XXXX, XXXX over the phone. 
The representative told me that Citi will send me a check during the next 10-15 business days.

Unfortunately, this check never arrived. I tried to get this resolved using the Citi chat and I called the Citi Customer Service line at XXXX XXXX at least XXXX times. 
At one of the last calls a representative told me to call again the next day to get my problem resolved and I did this. The next representative told me, that he is not able to find any information about the previous call. I asked him to talk to a manger about my problem. He told me that all managers are busy and somebody will call me back the next day. This call never happened. 
I called again today and talked to a representative that was very hard to understand at all. I asked the representative to expedite a check to me over night or maybe during the next 3 days. 
One person told me to go to a Citi branch. However, there is no Citi branch in Texas at all and there is no branch in the neighbor states. 
I dont think that somebody is working on a solution for my problem.

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 2022-03-30 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: CT

Complaint narrative:
Be advised this is not a refusal to pay, but notice that XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe XXXX XXXX. 

NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 

I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. 
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
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 602A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-30 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: GA

Complaint narrative:
I share the same name as my father, and he's been using my information. How and why is an excellent question and has yet to be found.

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 2022-03-30 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: GA

Complaint narrative:
I share the same name as my father, and he's been using my information. How and why is an excellent question and has yet to be found.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: FL

Complaint narrative:
Yes I have an account with NetSpend and money has been deposited in the last 3 months I've tried anything several times to access this funds and even one of the security questions to get into the fun are they count as it has been money for positive in the last 3 months and when I say no I don't get into it when I say yes I get into it there's money in my account is coming confirmed by 3 employees there however every time they put me through the automated system wanted to activate a car that I do not have I believe they are aware that that I don't have the card and think that I wasn't aware of your friends that were coming their scam scam scam scam and my phone has been compromised and I'm in the process of finding appointment to get XXXX to send over all data can you please help access this funds

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 2022-03-30 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: MS

Complaint narrative:
I submitted a complaint with cfpb on XXXX ; complaint ID number XXXX. 

It is against XXXX XXXX  XXXX. This case was closed in my favor and XXXX stated it will be removed from all credit tradelines. Today XXXX I received notification that XXXX XXXX XXXX reported me for collection on my Experian report. 

I would like this removed immediately!

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 2022-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
I called MOHELA to enquire about student loan forgiveness and where I stand on the issue. Multiple people acted as though they had not heard of the short term rules where some payments that didn't count in the past were eligible until XXXX. After reading them the info from a government website they said they would have to look into it. 

After that, MOHELA was supposed to send me all of the information they had on my past payments since XXXX. It has been more than a month since the first promise to send that information through the mail because they stated they could not send it electronically, and I still haven't received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX XXXX they waited until XXXX XXXX XXXX citi bank sued me to do anything then when i tried to take matter to court they would notlet the matter be heard in court but went to mediation and this allowed them to put the interest and charges on the court procedings now XXXX XXXX XXXX XXXX sent papers and said i needed to contact the court so i did now i have recieved notice that the court entered judge ment without acknowledging this individual at all

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 2022-03-30 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: Self Financial Inc.
State: FL

Complaint narrative:
I was about to purchase a house and my loan broker check my credit and inormed me that my credit had gone down because of a line of credit that was not paid for the month of XXXX, 2022. I called Self, Inc to confront them a bout the account. They informed me of a bank account at XXXX XXXX that does not belong to me. For sure, I have never open any account with Self, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

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 2022-03-30 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: PA

Complaint narrative:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I created my PayPal account since XXXX, XXXX with my e-mail XXXX '' and my account was in good standing since and never had an issue with any of my salles and no case has never been opened against me. 
On the XXXX XXXX XXXX I received a payment from a customer with transaction ID XXXX and my account was suddenly limited under ( Ref ID XXXX ) then I provided all the necessary information required by PayPal including my conversation with the customer on PayPal messages proving that the customer has already received his order and very satisfied with it as you can see in the documents attached to this complaint. On the XXXX XXXX XXXX, XXXX I received a sudden response from PayPal stating that I'm no more eligible to use PayPal services under ( Ref ID - XXXX ) and that my account was permanently limited and holded my money for 180 days with no reason. 
when i called PayPal to resolve the issue, they refused to tell me why they took such decision and refused to restore my account and release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit bureaus is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from the bureau.

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 2022-03-30 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: TX

Complaint narrative:
I contacted Equifax and they advised me that they could not help with a dispute regarding inquiries even through I did not authorize any company or anyone working for a company to pull my credit report. I did not do a credit application to authorize anyone from these companies to pull my report. These inquires are fraudulent & according to FCRA these inquires must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. They placed my financing with Bridgecrest financial one of their lenders inside the XXXX umberella. The vehicle they sold me had safety issues and failed inspection. XXXX kept saying they would fix it and never reached back out to me. Finally in XXXX after not hearing anything and getting no resolutions I traded the vehicle in at a local dealership in XXXX. The vehicle was paid off via check on XX/XX/XXXX and has not sent the dealership the title or myself any information showing the lien has been satisified. They have only ignored me and made me feel like I was in the wrong for buying a car and financing from them. I need the title to be sent to the dealer and proof that I paid off the vehicle.

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 2022-03-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are unauthorized credit inquiries on my Experian consumer report. I reached out to Experian regarding this issue with no resolve. My consumer right have been violated.

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 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are unauthorized inquiries on my Transunion consumer report. I've reached out to Transunion regarding this matter with no resolve. My consumer right have been violated.

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 2022-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A hard inquiry was made by Bank of America on XX/XX/2022 that was not requested by me and it is now showing on my credit report. The bank said that no card was issued so that they couldn't doing anything else on their end and suggested I work with the credit reporting agency. I am working with the credit reporting agency to get the inquiry removed but they said I would need a confirmation that I have filed a formal complaint with the government in order to ensure that this gets resolved.

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 2022-03-30 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:
My name is XXXX XXXX and my identity was stolen. I submitted my police reports to Equifax and they only processed one and told me to resubmit my unprocessed report. It has already been past five days. All fraudulent accounts should have been removed already!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from the bureau.

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 2022-03-30 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I attempted to contact Equifax to unfreeze my credit report as I could find no place on the company 's website to accomplish this. Unfortunately, the online prompts through the telephone did not allow me to unfreeze my credit report. 

I requested to speak to an agent and kept getting redirected via voice prompts. Finally, I was able to get to an option to speak to a representative. Again, unfortunately, I remained on hold to speak to an agent for over 40 minutes. I finally gave up and ended the call without speaking to anyone or getting an answer to my request regarding a credit freeze.. 

Given the outsized importance of the credit bureaus, it is vital that they make it simple for consumers to contact them and resolve issues/ get answers to basic questions. Instead, Equifax 's website and its voice system make it extremely difficult to find information and get assistance with basic questions.

Company response to consumer: Closed with explanation