vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I was initially filed a complaint in XX/XX/2021, Credit Acceptance responded that my balance was accurate. I have been paying {$200.00} every 2 weeks my remaining balance is {$130.00}, when I made this agreement Credit Acceptance stated they would stop collection which they have not, I never ask to be put on COVID-19 protection because I was paying {$200.00} every 2 weeks. Every month Credit Acceptance reports to the credit bureaus this is not right because I kept my promise to pay bi-weekly. The reporting is also not correct it shows a balance of over {$2000.00} which is not correct I'm attaching my payment ledger, also the last report stated Credit Acceptance sole my account to someone and they are putting in the reports monthly again which is not correct, I have and continue to communicate with Credit Acceptance.

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 2021-06-29 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: IL

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have received a copy of my credit report by my mortgage lender and it shows that this account is in collections. I have never received a phone call, a letter or any information of validation of debt. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Provide a copy of my signature with the provider of service to release my medical information to you. This is the last opportunity I will give before filing a HIPAA complaint to HHS.gov and taking this case to my state attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TX

Complaint narrative:
On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. 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 Data Breach and may have landed into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get Experian to remove an unverifiable bankruptcy. I have been trying to fix this for a year now. On XXXX, 2021, I sent another dispute. Experian said their third party vender XXXX verified the bankruptcy as accurate. On XX/XX/2021 in sent Experian a letter asking them for their method of verification. I also requested all information in my file that pertained to this unverifiable bankruptcy. Per 623 of the fair credit reporting act. They never sent it. I call XXXX and they said they never verified the bankruptcy. I also talked to the courts. They said they do not verify bankruptcies to credit bureaus. I sent Experian a copy of my dispute with XXXX and the results where this bankruptcy was deleted.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I was denied employment based on a report that First Advantage pulled. I called them to ask why and was provided a letter showing my credit report. There was nothing on the report that explained what the issue was. I contacted First Advantage back and the representative said my credit report or background check was not the cause and there was and issue with my fingerprint check. I was told someone would call me back in 48 hours. I have contacted this company 3 more times and still have not heard back. They keep telling me that someone from the fingerprint team has to speak with me but they cant transfer me to them. I work for a financial institution and have been employed for 5 years. I had to pass all these tests for my current employer. I do not understand how there is an issue with my report they pulled. I lost out on a great opportunity based on the report they pulled and havent even found out what the issues was. I need to know if there is an error so I can get this resolved. This process has been going on for over a month with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Costco credit card that we had used for a recent vacation. My significant other made {$1300.00} in payments during that pay period already. He tried to utilize his XXXX account to make another {$120.00} payment on XX/XX/2021, but it returned saying he had insufficient funds ( which was not the case ). XXXX then continuously attempted to make the payment and my SO made multiple attempts to reach them XXXX they have horrible customer service ) to discontinue the payment attempts. My SO did attempt to make another payment on XX/XX/2021 ( because again, he had sufficient funds in his account ) but received the same message. I received an email regarding this and reached out to customer service to see what was going on. I notified the customer service representative I chatted with that this was going on. I later found out from someone else that they experienced something similar ( must have been some sort of online communication error with multiple financial institutions? ). I was told that I would have to wait until the end of the pay period to address any concerns. I then noticed on my CitiBank app a few days later that my account was closed and I would be receiving a new card in the mail. I called customer service who stated that I would need to wait to receive the letter in the mail regarding the closure and that I would not be receiving a new card in the mail. I was furious. I called another customer service rep the following morning who stated that I had a returned payment in XXXX ( due to switching banks, but paid from the correct account immediately once notified ) and then this current incident. Inquired if I could somehow send proof that my SO had sufficient funds in his account at the time of the " insufficient fund '' notice, which the customer service rep stated that would be fine. But of course, my SO has not been able to connect with XXXX customer service to inquire about such a document ... so we have received the letter and cut up our cards at this time.

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 2021-06-29 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:
On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/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 XXXXXXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on XXXX contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.

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 2021-06-29 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: MD

Complaint narrative:
On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on COVID-19 contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
I believe that New American funding is holding customers monies and delaying making payments in order to hold more money in their accounts so they can make more interest on a larger amount of money. My loan was supposed to fund on XX/XX/XXXX and they are still holding about {$11000.00} and doing nothing but making excuses for not sending the money to XXXX XXXX to pay off the my loan. They never sent a check as they said and they were supposed to do a wire transfer on Monday XX/XX/XXXX but that still hasn't happened. If they hold other customers funds and keep making more interest than they should, this is not right and I consider this theft. They have been holding my money for 20 days now and making interest on my money. I will never use this company again, this is the worst experience with a loan company that I have ever had. 


XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) There is absolutely no reason why a wire transfer can't be made, I'm tired of excuses. Please have your supervisor call me ASAP XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) Please. Let me know when that takes place. 

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX ( 12 hours ago ) to XXXX I was never contacted today saying that the wire transfer had been taken care of. I just checked my XXXX XXXX account and I am really curious to hear what excuse you guys come up with. Someone call me ASAP and let 's get a supervisor on this call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: NY

Complaint narrative:
I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Good Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-06-29 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: NY

Complaint narrative:
I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cawley & Bergmann, LLP
State: NY

Complaint narrative:
They call back to back and say following previous letters which I have not received regarding an important business matter. I have nothing in collections at this time. I've been the victim of identity theft several times. I want them to stop or send me something in writing.

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 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Got an offer from the Citizens Bank for opening a checking and savings account, and got account opened and funded online at XX/XX/XXXX. Received a letter from the bank dated XX/XX/XXXX, and said the accounts were closed without giving a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I contacted M & T bank about two of my mortgage payments on XX/XX/20 and XX/XX/20 that they are reporting as late. Because we were affected by the COVID-19 those two months should not have been reported late. When I spoke to M & T they refused to fix their error because it was already reported. I sent a good will letter to the president of the bank asking to remove them. He never responded back.

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 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have no idea what this debt is. XXXX dropped it off my credit report! Its been on my report for 7 years!!!! 
Regardless, of what/why/where this debt is. SEVEN YEARS HAS PASSED THATS PSY THE STATUTE OF LIMITATIONS FOR THIS TO CONTINUE TO BE LISTED AS A BAD DEPT ON 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 2021-06-29 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: OH

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/, 2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This complaint is in regards to Capital One Credit Card company, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. On XX/XX/2021, I applied for a credit limit increase for my Walmart card ending in XXXX. On XX/XX/2021, I recieved a letter from Capital One denying the increase due to they could not resolve the consumer alert on my credit file. There are two problems with this, first the second call was placed by Capital One, on XX/XX/2021 at XXXX, which is illegal. I did answer the call, which the call did not connect, also whenever Capital One would call about this, they would leave no message. My first complaint is that the credit card company should NOT be contacting a customer at that time of morning, i believe that is in violation of a federal law. Second, I spoke to XXXX, id XXXX on XX/XX/2021, i have never met such a rude and incompetent person who works on a customer service line, she offered no help, gave me attitude, and basically said well if the request is denied, its denied. A request for an appeal to the decision was asked, but ignored and she refused, probably because she is way more than incompetent. Also, XXXX lied to a customer, she told me that the supervisor i was speaking with, XXXX id XXXX was her direct supervisor, which was not correct, XXXX reports to another manager. XXXX was very lax in filing a complaint about XXXX, must be friends, and also much like her friend XXXX did nothing to address the situation or help the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I placed an order with XXXX on XX/XX/XXXX using a ghost card with XXXX. I made 3 out of 4 of the payments for the order and hadnt received the product so XXXX paused my last order to give me time to figure out the situation with the company. I tried to call and email the company several times & was not able to leave a message due to the mailbox being full. XXXX advised me that they couldnt contact the merchant either so I would have to file a dispute with my bank. Attached is my affidavit I submitted to the bank as well as the order confirmation and the phone number for the company. I finally got in touch with the company in XXXX and was advised that the owner had passed away in XXXX and the family closed the company and can not fulfill or refund any orders. I have attached the order reference number from XXXX as well. Their phone number is XXXX. 

My bank has advised that they closed my dispute due to not receiving requested information however, the last communication received was on XX/XX/XXXX and I sent the requested information the same day which was verified as received. They advised me on XX/XX/XXXX that they can not reopen the dispute which left me no choice other than to report them here.

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