vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: NC

Complaint narrative:
I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the 3 credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
1 ) I have submitted my PSLF certification documentation as I do each year from my federal employer, the XXXX. XXXX is delaying the certification of my payment history for XXXX. It keeps saying it is still evaluating my employment. The company 's website also says it has reached a determination but its letter sent to me keep asking for more time to evaluate. I believe it is intentionally delaying certifications of XXXX forms. 

2 ) Please provide detailed statements for all loans from XX/XX/XXXX to XX/XX/XXXX and count these towards PSLF. I was employed at the XXXX XXXXnd made qualifying payments. XXXX has inaccurately marked the loans as in forbearance or deferment or no payment due. This is not true. It must correct its error and count these months towards XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: FC HoldCo LLC
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent 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 explanation
Consumer complaint received 2021-03-01 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: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Original Creditor Acct # XXXX ... XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have had this credit card for over 2 years now. It was originally a {$200.00} secure credit card. Citibank sent me back my {$200.00} after 6 mths, but In over 2 years they still refuse to increase my credit line with ZERO MISSED PAYMENTS AND never exceeded my credit line an ANND I have multiple accts with Shell and Home Depot that Citibank is contracted with but can not get credit line increase with Citibank card itself with credit rating of 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 2021-03-01 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: DISCOVER BANK
State: AL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. DISCOVER FINANCIAL SER Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent 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 explanation
Consumer complaint received 2021-03-01 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

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 2021-03-01 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: Credit Plus Inc
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-RISK RETAIL- XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, CREDIT PLUS Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: DISCOVER BANK
State: OH

Complaint narrative:
Supervisor name XXXX ( refused to share last name ) and states I don't have a phone number made remarks to me about my account be closed based on my gender. Account has negative balance and Discover Card will not return money or state why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: PA

Complaint narrative:
All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a XXXX Veteran and that meant nothing to the them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was given a loan for {$22000.00} to finance a XXXX XXXX XXXX XXXX XXXX. I paid {$27000.00} down on the vehicle so my payments were not as high. Unfortunately I was involved in an accident on XXXX XXXX XXXX and my vehicle was deemed totaled. I was covered fully by XXXX XXXX XXXX and they then took over the case. It Has now been 4 months since this accident has occurred and I have not gotten a vehicle to drive, I Was offered a settlement but money was being subtracted that was not negotiated in the very beginning. XXXX XXXX then told me that I was financed XXXX when on the contract it clearly states that I was financed XXXX and I only had the vehicle for 3 months and since they took long to figure anything out I now have late bills with late fees of over XXXX and they are saying I owe them this ridiculous amount of money. 


























































" " " " " " " " " " " " " " " " " " "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Someone sold me a product and a service. After they received the money, they told me I was not going to get the product and blocked me on Cash app and from their phone. The merchant stole {$1000.00} and additional {$300.00} from me. I have reported it to the police on what has happened. The police have all the merchant information and well knowledge that it was a scam. The transaction deleted from my balance but it stated pending. I tried canceling the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: PA

Complaint narrative:
All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a Disabled Veteran and that meant nothing to the them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi Bank lowers my credit limit then reports to credit agencies that I'm close to maxing out my cards when I haven't used either of the two accounts in months, then the credit agencies lower my credit score because I'm close to credit limit then Citi Bank lowers the limit more because my score went down, this is costing me {$1000.00} 's of dollars

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 2021-03-01 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:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX dba XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-03-01 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: FL

Complaint narrative:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX dba XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: WA

Complaint narrative:
Good day, Dear Equifax team, after pulling a copy of my consumer report I have noticed you are reporting inaccurate information on the account XXXX/XXXX, due to inaccurate reporting you are in violation of the FCRA and you must delete this account immediately. Please delete this account due to the following inaccuracies : Re-aging debt date last active XXXX  reports as XX/XX/XXXX, Equifax reports as XX/XX/XXXX. 
this is inconsistent and reporting inaccurately. 

Date opened XXXX  reports as XX/XX/XXXX, equifax reports as XX/XX/XXXX XXXX this is inconsistent and reporting inaccurately. 

High credit XXXX  reports {$0.00} while equifax reports {$3700.00} this is inconsistent and reporting inaccurately. 

Account comment XXXX  reports as closed due to inactivity, equifax reports as charged off. This is inconsistent and reporting inaccurately. 

I XXXX XXXX solely submit this complaint and do not consent to e- Oscar or any means of automated verification.I have attached my drivers license as proof of my identity. Failure to respond to this complaint within 30 days could result in small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: MD

Complaint narrative:
I talk to some one today at XXXX XXXX  from the fraud department the lady name was ( XXXX ) I was trying to dispute some fraudulent Inquiries I was let on hold so times I let ( XXXX ) know my Inquiries I did not authorize and I let her know I did a FTC But XXXX did not help me at all or try to remove or investigate the Inquiries. she was not helpful at all and have bad Customer Service My problem was not resolved. 

Here are all the Inquiries need to be remove Inquiry details XXXX XXXX XXXX  XXXX XXXX from XX/XX/2021 All Banks XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/2021 All Banks XXXX XXXX XXXX XXXX from XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: VW Credit
State: DE

Complaint narrative:
I leased a new Audi from XXXX XXXX  in Delaware - Made last payment on XXXX for {$1000.00} ( Next payment due on XXXX ) -Traded the lease in to XXXX XXXX in XXXX Md on XXXX - Audi was called by XXXX and sent payoff check of {$53000.00} ( Cashed by Audi XXXX XX/XX/15 ) - Audi/VW financial continued to send be bills stating monthly payment was due - XXXX, XXXX, and XXXX - I called 3x explaining that the car was traded and they cashed the check - After 3rd call ... .Audi stated they were waiting the mileage reading from the dealer to clear the account A. I hope you are not reporting this to credit agency ( I'm never late on anything ) B. Have you contacted the dealer about the form C. Explained this is misuse of the Credit Report ( FCRA violation ... .has nothing to do with payments ) D. Audi never contacted the XXXX  about the statement ... ..The car was traded and resold by XXXX XXXX ( XXXX ... .No issues ) My credit score was impacted down 80 points ... .Trying to buy another house I know my rights ... .20 year Credit Card Bank Executive ... .FCRA Violation Clear

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation
State: PA

Complaint narrative:
I have written several disputes to Credit Solutions Corp. they have never responded. this is willfully neglectful. CREDIT SOLUTIONS CORP. is a debt collector pursuant to 15 USC1692a ( 6 ) ,15 USC1681n, and 73 p.s. 2270.1 et seq. I am a consumer as that term is defined in 15 USC1692a ( 3 ), 15 USC1681, and 73 p.s. 2270.1 et seq. CREDIT SOLUTIONS CORP. is not a creditor, and I have not applied for, neither received any services or credit with their particular agency. Additionally I have noticed that agency obtained my consumer credit report. I never gave them permission to obtain my personal credit file and unless they can verify this account is valid by producing the original agreement with my signature, this account is also erroneous. Therefore their intrusion in my personal credit file while trying to collect on erroneous account constitutes a willful and negligent violation of 15 USC1681q which would also be a criminal offense ( felony ) punishable under Title 18USC, the penalty being a fine and or two years imprisonment.

Company response to consumer: Closed with explanation