vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: MD

Complaint narrative:
XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX  XXXX  Equifax Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is obtaining and reporting information and without my written consent.

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 2021-08-23 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Unauthorized and inaccurate accounts reported from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on the response of Equifax about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 1. XXXX  XXXX/XXXX-XXXX-Balance {$0.00} 2. XXXX/XXXX-XXXX-Balance {$0.00} 3. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened  : XX/XX/XXXX 5. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX 7. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 8. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 9. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 10. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 11. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 12. XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 13. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 14. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 15. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 16. XXXX XXXX/XXXX  XXXX XXXX-Balance {$0.00} 17. XXXX XXXX XXXX-XXXX-Balance {$2600.00} 18. XXXX/XXXX-XXXX-Balance {$2600.00} 19. XXXX XXXX-XXXX-Balance {$860.00} 20. XXXX XXXX-XXXX-Balance {$460.00} 21. XXXX/XXXX-XXXX-Balance {$1000.00} 22. XXXX-XXXX-Balance {$9200.00} 23. XXXX XXXX XXXX-XXXX-Balance {$0.00} XXXX. XXXX XXXX XXXX  XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Usually the mortgage company sends me statement of monthly mortgage payment every month, and I send a check in the exact amount accordingly. In XX/XX/2021, I did the same thing I used to do but I was charged late fee in the amount of {$46.00}. To be exact I sent ( actually mailed it ) check in the amount of {$1100.00} on XX/XX/2021. When I knew I was charged late fee, I called the company and explained the fact of the matter, but the company did not want to accept my explanation. 

According to the company 's policy mortgage payment made after the XXXX of the month would be assessed late fee, but the fact is that I was not late. 

In XXXX of this year, the company sent me a letter stating that my house was under foreclosure process because of none payment of mortgage. I called the company and asked what was going on Their reply was " the letter was not supposed to be sent to you, you are fine, just disregard the letter. '' I think something is wrong this time also, and I was not late in my mortgage payment to be charged late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX PNC BANK XXXX  XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from PNC BANK for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Delete this account information from my credit report, because I believe it may be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NY

Complaint narrative:
I started a XXXX XXXX XXXX I signed up for square, after a month of using them for payment processing and not even a single charge back or any other problem I got an email that they want to manually verify my account, I called them up and I spoke to XXXX from Square Account Services and provided all the documentation and she said that all the documentation look fine, but then I got an email that my account was suspended and they're holding my money for 90 days without any explanation why or way to correct it, furthermore they did not reply to my emails and I can't call anyone because they took away my account pin required to call in, they are currently holding {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TX

Complaint narrative:
these 4 Inquiries on my Transunion Credit Credit report are fraudulent XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls PXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Home Furnishing XXXX XXXX  XXXX XXXX, TXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CAXXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/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 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tesla, Inc.
State: DC

Complaint narrative:
In 2014 someone at my rental property forged my signature for solar services with Solar City ( Tesla ). I filed a police report Case # XXXX. That is all the information the Washington DC police provided. Tesla has refused to investigate this matter, they have refused to remove this from my credit history and state that I owe the loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This third party company ( Equifax ) has obtained and reported information without my written consent. This is fraudulent and they have no rights to do this.

According to 15 USC 1681a, consumer reporting agencies have no right to report credit transactions or factual information.

According to 15 USC 1681b ( 2 ), consumer reporting agencies need written consent to furnish report.

According to 15 USC 6802, consumer reporting agencies are not allowed to furnish consumer information with third party agencies. Third party agencies having such information is against my rights and identity theft. According to 15 USC 1681a ( 3 ), consum
er reporting agencies assumed this role and arent technically a bureau because they dont report to the government.

According to 15 USC 1605, any payment history that involves a finance charge being reported on a credit report is deemed unfair. I have several.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased 5 flights through XXXX using both my personal ( XXXX ) and business ( XXXX ) PayPal accounts. I Cancelled all of the flights after Paypal chose to close both accounts ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX. However- there is no money back on my card or in my paypal account. Paypal says the money isn't there. XXXX says the money has been refunded. However- XXXX has provided receipts of their return ( attached ). 
Paypal Transaction IDs : XXXX XXXX XXXX XXXX XXXX {$30000.00} Paid and no refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 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: NCB Management Services Inc.
State: TX

Complaint narrative:
Unauthorized and inaccurate accounts reported from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Unauthorized and inaccurate accounts reported from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I've repeatedly tried to dispute and resolve this issue with National Credit Systems as well as the credit bureaus. They are in violation of FCRA 15 usc 1681, furnishing and reporting inaccurate information on my reports. They're also misstating the balances. The documents that National Credit Systems sent me to attempt to verify the alleged debt owed from the original creditor is {$1600.00}, however NCS is furnishing a new balance of {$1600.00} showing 1 % of the debt was recently paid on all my credit reports. Again I have no account or business with this company or gave my permission or written consent to allow them to report anything. They have been in default with providing me ALL requested documents or documents producing my wet signature of agreeing to allow them to collect. They refused to provide agreement between the legal stand on this collection in SC with the original creditor. There has been no payment made at all that supports the false information and different balances. The credit bureaus as well as National Credit Systems are not upholding the law but instead are using deceptive measures to collect and furnish obsolete inaccurate information. Under the law this account should have been removed and not allowed to continue to be a defamation of my character. This should be removed immediately from all my reports. Failure to do so will force me to sue and take legal civil actions against all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NH

Complaint narrative:
They claimed that all dates are correct and are demanding that I pay them in order to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

XXXX Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 XXXX sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.

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 2021-08-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

XXXX Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 XXXX sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.

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 2021-08-23 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: Total Card, Inc.
State: WA

Complaint narrative:
The XXXX XXXX XXXX  and total card manager XXXX XXXX. He refused to file fraud on identify theft. Claims they dont have a fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Made a deposit over {$3500.00} or so with an I valid check. Then I wrote another check per the amount of {$5000.00} lost prevention called me to warn me the check wont get paid my account was restricted. Previous to the restriction the institution failed to pay two in house charges when the money was available. They owe me {$40.00} on bounce checks.

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 2021-08-23 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
at XX/XX/2021 in went town then floor and decor to buy some stuff I needed for mine new house I bought about 1 month ago and the employer of the store told me to apply for a credit cart with them, I asked him I don't want hit mine credit score and he told me we don't hit your credit score and then I applied and after few seconds I had notification on my phone from XXXX  and says new hard inquiry, so the guy gave me wrong informations or he lie to me, then I got mail from the COMENITY CAPITAL BANK and says mine application decline, is not fair because mine credit score profile is almost perfect with XXXX XXXX score and 100 percent payments on time etc. 
I would like to dispute thank you

Company response to consumer: Closed with non-monetary relief