vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: AL

Complaint narrative:
Equifax is listing hard inquires on my credit report illegally. Be advised that multiple companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 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 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I used td bank transfer to XXXX XXXX on XX/XX/2019, the amount was {$1000.00}. The bank has suspended the transfer due to account problems, and verification is required during the transfer process. I called immediately to cancel. The online service staff clearly told me that there would be no automatic transfer, but it was still transferred by td bank, because when I checked my bank records on XX/XX/XXXX, the transfer was from my bank without my authorization and notification Account transfer. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted td bank multiple times, but until now I have not received the money that belongs to me. They have been shirking responsibility and did not actively deal with this matter. I went to the cfpb department to complain about this matter. I hope TD Bank will be responsible for returning the money to me. TD Banks irresponsible behavior has affected me not to trust them. Their behavior makes me very insecure. Finally, I hope that the bank can solve this in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX -- XXXX -- XXXX and that this collection company may have violated my HIPAA rights. In these 2 months I have not received a notice in over 30 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is in non-compliance with the FCRA. Thank you

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 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
Id like to dispute Franklin Credit Services charge for {$330.00}. This is an account that has been in dispute with XXXX XXXX XXXX ( acct : XXXX ) and is due to identity theft. XXXX XXXX XXXX concluded an investigation with incomplete information and reinstated collections. I am attempting to reopen the dispute with XXXX XXXX XXXX but theyre being uncooperative. 

The police report on the identity theft is : XXXX XXXX Metro Police - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-09-14 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: LEXISNEXIS
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX -- XXXX -- XXXX and that this collection company may have violated my HIPAA rights. In these 2 months I have not received a notice in over 30 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is in non-compliance with the FCRA. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/2021 I received a charge I did not recognize on my account. I reported it to Barclays fraud department for my uber  credit card, and they took the charges off. Then, at some point in XXXX, they posted the charge back onto my account without informing me whatsoever. In XXXX I received an email that I had outstanding balances on my account, as well as late fees for overdue payment. I then received a letter in the mail in XXXX that Uber was investigating the case. 

I should not be responsible for fraudulent charges, nor should I be responsible for late fees on balance I never knew I had

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 2021-09-14 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Well to start this off this is my second complaint against Receivables Performance Management. In the first complaint I stated my issues with the company and they sent back a BOGUS response lacking in effort and hearsay.

The first time I spoke with RPM and ask for validation of this debt I was told that they had nothing just " NOTES '' again that is crazy that they are asking for money but cant prove this. Now when they are push to do their job I get a Bogus reply. Seriously they call and talk to someone at XXXX all of sudden and they tell RPM over the phone the charges but cant send any proof of this. This is all hearsay. For one what equipment? I want to know in writing what this is. Second there late fees on what some equipment I do not have .XXXX hasnt even sent me anything on this. 
When I call I get no where but RPM can call they have information? 
I sick of playin this game with BOTH of them. Now I want see a sign agreement, I want see something of the equipment I supposedly have, I want to know when the last payment was made. If these items can not be provided to me then I will take them to small claims court. This needs to be remove from my credit report ASAP.

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 2021-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Metro Collection Service Inc.
State: NM

Complaint narrative:
They are wanting me to pay something that should have been paided by the second insurance i took out from them through there company and why would they wait so long to say i owe them now i did what the lady said to do she said let the insurance pay it off refering to the in house insurance i took out with them if that was the case why didnt they fix it and i would still have the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I open a account with this company in XX/XX/XXXX, as we all know the XXXX hit Americans XX/XX/XXXX, well I talk to them in XXXX of XXXX and explained to them that I had loss my job due to XXXX I was assured that they wouldn't report to my credit and it did. I paid the account off in XXXX and early. I called the company in XX/XX/XXXX, it was told they apologize that it did report and they would fix it and it could take 60 days to update. I called again in XX/XX/XXXX, and was told the same thing and that give it 60days to update. I called again in XX/XX/XXXX and was told that the information was true and they can't fix it. I ask to speak to supervisor and was hung up on. I have been calling this company every other month since then. This is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: OK

Complaint narrative:
I have had identify theft in XX/XX/2021. I have frozen my credit 2 years ago with all three credit bureaus, but wanted to check my credit reports due to the identity theft. I had no trouble with XXXX or XXXX, but Experian is a disaster. I have literally combed their entire website, and tried about 8 different phone numbers I found for them and tried every menu path on the phone systems. There is literally no way to speak to a person to get me logged back in, or even ask for help about the identity theft. I emailed them but they are no help. I just need someone to give me a number where I can actually talk to a person, actually, no, I don't want a number ever again, I want them to call me because every time I'm given a number, it goes to the black hole menu systems on their phones. So, I just need them to reach out to me because when I put in my birthdate and SSN to login on their website, it says the two don't match, but I know I have the right date and SSN. Have tried many times. PLEASE HELP AS I AM CONCERNED SOMEONE HAS TAKEN OVER MY EXPERIAN ACCOUNT AND EXPERIAN IS NOT HELPING RESOLVE THIS TIMELY SO I CAN STOP IDENTITY THEFT!

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 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I paid off my XXXX XXXX XXXX on XX/XX/XXXX in full. The DMV was notified on XX/XX/XXXX that the lien had been removed, however, I am not able to log into my online account and download past statements, I have not received a single copy of a statement, and I have not received any closing paperwork from the issuing bank.

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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Debt occurred from identity theft and the collection company didn't even verify this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Ive reached out to Experian about a dispute against an item on my credit report from XXXX consumer. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX consumer in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from XXXX XXXX XXXX This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for Experian not doing their jobs properly.

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 2021-09-14 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 regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. 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 2021-09-14 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: NM

Complaint narrative:
On XX/XX/21 I sent Experian a investigation letter to investigate some negative things on my credit report. On XX/XX/21 they sent me a letter via mail stating the accounts were " verified ''. On XX/XX/21 I sent a method of verification letter asking for the method they used to verify the accounts. I never received any documentation or proof that I requested. on XX/XX/21 Experian sent me a notification via the app to tell me they had an update with my dispute. when i checked the app it said that the accounts were updated again. Still to this day I haven't received documentation or proof of verification like I requested.

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 2021-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
Before accepting the loan agreement, while on the phone, I was told I would have an APR of 7.94 % for my principal loan amount of {$1100.00}. I did the signing portion electronically. The agent still on the phone with me instructed me to quickly sign the documents before I had time to read through to have her manager confirm my application fully. Once signed, I was told I'd receive my funds at the end of the business day on XX/XX/2021. When I downloaded the copy of my borrower agreement, I read that the APR is 794.959 % instead of 7.94 %. I can not afford that. I am devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NH

Complaint narrative:
Experian Credit Report shows XXXX XXXX  Charge off of {$1400.00}. written off when I have the Title from the Paid Account, automobile and today the Company reports paid in full. From XX/XX/XXXX, reported 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 2021-09-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 Experian received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. XXXX received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.

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 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 Convergent Outsourcing called me 2 times, both times I asked them to never call me again. They are trying to collect a debt on behalf of XXXX in which the Company I worked for cancelled the credit card. This debt was incurred by XXXX XXXX, not myself. 

On XX/XX/2021 Convergent Outsourcing called me at XXXX XXXX  cst I once again told them to stop calling me and said I needed to call 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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XX/XX/2021, I checked my credit report and noticed that XXXX hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since XXXX hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, XXXX refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.

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