vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: DriveTime
State: FL

Complaint narrative:
On XX/XX/2020 and XXXX XXXX DT Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX XXXX pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.

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 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This is a continuation of my first complaint that is still open. The complaint is with PNC Bank and XXXX XXXX, XXXX XXXX XXXX, XXXX has attempted repost my payments that have been posted incorrectly, however I made a payment today and AGAIN the payment was posted incorrectly. I will be sending her notice of this as well. PNC needs to be investigated!! 

Thanks, XXXX XXXX. 
XXXX file #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has not removed the XXXX account despite it being past the eligible reporting date. The account had a date of XX/XX/2021 removal and it was not removed. I could not dispute it on the Experian website because I have disputed it before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: OK

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
Why I still see that negative information. This is nit my accounts I believe someone hacked my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They 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 : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as EQUIFAX AND XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation.The information can not be accurate pursuant to 15 U.S.Code 1681 A E. in Addition, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please, delete it for good, .XXXX  XXXX XXXX XXXX XXXX still reporting ) AS DELINQUENT, " CHARGE OFF '' YET the account is UNAUTHORIZED even be reporting due to the non written consent by the me the consumer and infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have not authorized this nor should be reporting on my report, these companies are blatantly and fraudulently harassing and defaming my name and character and overall life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX AND XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation.The information can not be accurate pursuant to 15 U.S.Code 1681 A E. in Addition, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please, delete it for good, .XXXX  XXXX XXXX XXXX XXXX still reporting ) AS DELINQUENT, " CHARGE OFF '' YET the account is UNAUTHORIZED even be reporting due to the non written consent by the me the consumer and infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have not authorized this nor should be reporting on my report, these companies are blatantly and fraudulently harassing and defaming my name and character and overall life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: AZ

Complaint narrative:
I requested an Early Exclusion with Equifax regarding the XXXX account a couple of months ago. Now the account is beyond the threshold for reporting. It should be removed as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IN

Complaint narrative:
Fraud. Pursuant to 18 USC 8, the US is responsible for all debts ; past, future and present.

All information is in the affidivait attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2021 I opened a CitiXXXX account with Citi Bank, by responding to their promotional {$2000.00} bonus with a deposit of $ XXXX or more within 20 days for 90 days. 
I decided to make external transfers from my XXXX XXXX XXXX in which I have 3 accounts XXXX  saving, Checking and Share Saving with the account numbers end with XXXX, XXXX, and XXXX respectively. I have over $ XXXX cash in XXXX saving and $ XXXX in checking. 
On XX/XX/2021, $ XXXX and $ XXXX and $ XXXX were deposited to Citi Bank and XX/XX/2021 $ XXXX transferred from my account XXXX to Citi Bank. I have noticed that all the transferred funds were credited to my Citi Bank account, although I noticed the last $ XXXX were not withdrawn from my XXXX XXXX XXXX account. I called twice the Citi Bank that even my Citi Bank account has been credited with $ XXXX, there is no deduction amounts from my XXXX XXXX account. I was told not to be concerned, since it is credited to my account, the bank eventually will take the fund. On XX/XX/2021, I got a note from XXXX XXXX XXXX that there were XXXX {$29.00} charges for insufficient funds of $ XXXX to my checking account. I realized the confusion and immediately transferred $ XXXX to my Citi Bank account. on XX/XX/2021, I got an email from Citi Bank that my account has been suspended. I called the Citi Bank about the confusion between the 2 accounts and that the $ XXXX transferred already sent and deducted from my XXXX XXXX account, so there is no problem of funding the account. I was told by the XXXX from Citi Bank that bank already has decided to close the account and my deposited of $ XXXX will be retuned within XXXX days. In the meantime, my last $ XXXX was transferred back to my XXXX XXXX account. 
Citi Bank did not want to listen to the situation and confusion and the corrections that I have made to resolve the issue, but rather to close the account and avoid the {$2000.00} bonus payment which was reduced to {$1500.00}, ten days after opening my account. 
I feel I was treated unfairly in handling my account as fraud. It has been 32 days that I am still waiting for my $ XXXX first deposits. I was told all the conversations are recorded and apparently no one cared to listen to my explanations.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CITI initially invited me to open a checking account with XXXX dollar incentive, and once I transfer my funds in ( XXXX dollars ), they close my account without giving any justification. And now, the account has already been closed for over 40 days and I still have received a check with the remaining balance of the account ( XXXX ). I have contacted their customer agency every 3 days for the past 4-5 weeks and no clear update has ever been provided. Upon review of complaints against CITI, I find many people have been in a similar situation. 

I sincerely implore CITI to address this issue before we further escalate the situation.

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 2021-12-03 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: LA

Complaint narrative:
Equifax and XXXX XXXX is ignoring FCRA violations despite certified mail disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX Credco pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX Fin pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.

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 2021-12-03 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: Capital Auto Credit, LLC
State: FL

Complaint narrative:
On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX XXXX XXXX  pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: OK

Complaint narrative:
I have evidence to suggest that I included a cease contact phone call, as I did not answer the phone otherwise when they called because they ignored me when I said it wasn't my debt. They harrassed me into paying off half by stating that they would settle for half. 
Now they are saying they never said that and continued calling even after stating a cease of contact on XX/XX/XXXX XX/XX/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 2021-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased and financed a XXXX XXXX XXXX from a used car dealership XXXX XXXX XXXX  in XXXX XXXX At the time of purchase the dealership insisted I must finance the car purchase through them. I was approved for the loan through XXXX XXXX Bank the dealership had set up. After purchasing I had trouble obtaining the registration and contacted them several times. In XX/XX/XXXX I received the car title in the mail that showed two liens holders on the vehicle. Bank of America as lien holder 1 and XXXX XXXX bank as lien holder 2. I immediately returned to the dealership. I was told this was an error and I should receive the updated title in the mail in a few weeks once the DMV updated their records. I had followed up countless times since with the dealership. After following up with the DMV it was determined they did not receive the lien release from bank XXXX. In XX/XX/XXXX I began contacting Bank of America, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX  to help resolve this issue. After a long lengthy process and contacting several agencies it was determined the car was fraudulently registered in my name without my knoledge. The dealership is now no longer in business and I have been unable to obtain the lien release from Bank of America so I can sell the car. I have contacted bank of America several times regarding this. Additional documentation and details since I contacted bank of America last are attached.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021 I made a dispute for the amount of {$35000.00} dispute claim number : XXXX On XX/XX/2021 I received a letter from bank of America stating that the claim has been resolved in my favor and they will be crediting my account for the entire claim amount of {$35000.00} on XX/XX/2021 My account wasn't ever credited with those funds and is still not credited and I can't get any answers or resolution from anyone. I don't know what to do I need some help getting my funds please

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 2021-12-03 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, HP Sears on behalf of XXXX XXXX incorrectly reported a " collection '' against me, regarding services not performed by XXXX XXXX ( see letters attached ). I filed an FTC complaint against XXXX XXXX on XX/XX/XXXX, and just updated said complaint to include this information. On XX/XX/XXXX, after initially being contacted by HP Sears on behalf of XXXX  I spoke with XXXX XXXX, advised him of the circumstances, and I was told to forward the FTC report and documentation, which I did, to " XXXX '' ; I never had a reply, so resent the email on XX/XX/XXXX and XX/XX/XXXX ( attached ). When I called again, I was told that I did not need to do anything further. Today, after receiving information of the reported collection, I spoke with a representative who advised me to, once again, forward documentation to " XXXX ''. I will forward the updated FTC report, the original FTC report # XXXX, along with this report to both emails listed below. The numerous previous emails remain unanswered. I have requested that they immediately remove the incorrect collection report of XX/XX/XXXX, for {$1000.00}, since services were not performed and I retained a new XXXX to begin XXXX XXXX to my son after 6 months of XXXX  and no treatment. I have attached pertinent documentation and have much more if needed, specifically the numerous unanswered emails to XXXX XXXX. Thank you for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
XXXX and Lockhart Morris is ignoring FCRA violations despite certified mail disputes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MA

Complaint narrative:
I reported a case of fraud resulting from an XXXX XXXX XXXX XXXX delivered to my home. I reported it to the company and was instructed to send the phone back which I did. I received numerous demands for payment for phone I did not purchase, create the account etc. I filed a report and was informed the case was now closed. I recently received a demand for payment from a collection agency after months of assuming everything was rectified. The letter was from XXXX XXXX XXXX listing XXXX XXXX as the creditor. This started in XXXX of XXXX I believe and was resolved in XX/XX/XXXX. Any assistance in the resolution of this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief