vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: CCS Financial Services, Inc.
State: OH

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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NY

Complaint narrative:
To those that will be involved with the review of this situation, I am reaching out to you because the companies listed have failed to respond in the required time frame to my correspondence complaining of their gross failure in reporting information accurately on my report on XX/XX/2020. I am aware that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 118 days ) and they have failed to maintain an open line of communication with me. I am also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 118 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been patiently waiting for Experian to increase my credit score for months. I have been at XXXX since last year sometime. XXXX and XXXX have kept up with my credit activities I am at over 600 points with them and Experian has me less than XXXX points from the others and they all should be around the same. They don't report info as they should and the other credit bureaus have been reporting my activities. Yet they ask for me to pay for a boost when I should not have to pay for a boost if my credit is being reported accurately through XXXX and XXXX. I have a credit card for over three months and it just took them XX/XX/2021 to update my records, falsy with a 3 point boost. REALLY!!!! and it's a {$450.00} dollar credit card. Then they having my credit showing like a {$0.00} balance instead of a {$450.00} credit. They are literally affecting my lively hood. I just took out a loan for XXXX XXXX from XXXX  site, got {$1000.00} they didn't report it. My sister added me to her XXXX XXXX and XXXX XXXX cards and they say every 30 days, yet it's not there. I tried to take out a XXXX XXXX card from my email, not knowing Experian was the credit check and Experian email me quickly letting me know of an inquiry staying on my credit, but can't report fresh accounts. I feel like I'm being discriminated against.

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 2021-03-16 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: OH

Complaint narrative:
I pulled a copy of my credit report and accounts i have in good standing that are paid to XXXX balance show late and delinquent status on my credit reports. I have provided receipts in the documents. The accounts listed below need updated to report accurate information the bureaus are required to report accurate information these need updated XXXX XXXX XXXX  XXXX XXXX XXXX 2 ACCOUNTS SST PLEASE UPDATE THE BALANCES WITHIN 30 DAYS.

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 2021-03-16 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: ACIMA CREDIT, LLC
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a debit with BBVA Compass and used this card on XXXX to purchase automotive repairs parts at XXXX  XXXX XXXX onXX/XX/XXXX for the total {$42.00}. 
On XXXX I returned a part that did not fit which was for {$28.00} and it was credited back to my account at {$28.00}.. BBVA claims that they credited me the amount of {$42.00} on XX/XX/2021 which they did. The problem here is the sum {$14.00} is what I would owe BBVA. BBVA is acting like I was credited twice of the {$42.00} once by XXXX and once by BBVA. That is not the case. I was only credited {$28.00} by XXXX and it was credited back to my BBVA account onXXXX XXXX as per bank statement. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was asked to call 'Amazon XXXX after I could not access my XXXX account from my attempt to sign on. The number I was told to call was : XXXX. 

I was asked to transfer {$2000.00} via XXXX at Chase to close down 'fraud ' that appeared to be happening in my checking accounts. I realized it was a scam after I scheduled the transaction. I called Chase within 30 minutes and was told since I authorized it, there was nothing they could do. No recovery was possible. I had phone and date information on the scammer but they were not interested in that. I was told I have no recourse but to lose the {$2000.00}. 

The person I was speaking with called from : XXXX. They asked me to download the app : XXXX XXXX Support. They asked me to sign on to my bank account and they could see my balances. They gave explicit directions in what to do to eliminate the 'potential fraud. ' I reported the fraud to the Federal Trade commission. And I changed User names and passwords for all my financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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:
There is an inaccurate collection and hard inquiries that is showing 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 2021-03-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau disputing items on my credit report that were inaccurate. To date, I have not received any response in regards to my dispute. To my understanding, by law the bureau has 30 days to investigate my disputes and provide a response or the items have to be deleted. I thought I would have received a response by now because it has been over 45 days since my initial dispute, but that is not the case.Before submitting this complaint I sent a second letter demanding a response because I need to get these disputes resolved immediately. This process has been aggravating and I feel like I am being ignored because all the items I disputed are still 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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My XXXX, XXXX XXXX, applied to multiple different Credit cards in diffrent companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

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 2021-03-16 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: Resurgent Capital Services L.P.
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Certified mail was received on XX/XX/2021 by Merchants and Professional Collection Bureau , Inc. requesting validation of debt. On behalf of XXXX XXXX of XXXX XXXX they responded with medical records, a DIRECT violation of HIPAA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to any such medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: PA

Complaint narrative:
So it will all start with my debt and deciding to go through a debt relief settlement company who also went through XXXX XXXX XXXX I always talked to the XXXX XXXX XXXX people it seemed like. So I set automatic bank withdrawal payments and through my account with them promising to lower my debt and be debt free in 48 months. So they set up an account with funds prior to any settlements it was at least XXXX a month. Then they started settling with companies or negotiating and would calle back adding another XXXX to XXXX on to my monthly payments o ended up having to drop out of the debt relief program because I couldn't afford the outrageous money they wanted monthly from me. At that time they told me not to talk to the creditors and they would do all the negotiating I never received any paperwork for anything. Long story short when I cancelled I never got my money back and I went so long not paying or talking to the creditors that now I feel my only option is bankruptcy. I feel like I was mislead with always being asked for more and more money to the point I couldn't afford it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
SANTANDER CONSUMER USA is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 SANTANDER CONSUMER USA is reporting that i was 30 days late on a full payment which is {$400.00} The second payment SANTANDER CONSUMER USA is not reporting correctly in XXXX of XX/XX/2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to SANTANDER CONSUMER USA multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have been harassed via postal mail from address XXXX XXXX XXXX XXXX XXXX, MN XXXX multiple times, as I refuse their mail sent to me due to the fact that I do not know who this corporation is and after refusing their mail multiple times they keep harassing me. I do not accept mail from corporations, people I have no business or contract with. After making it clear to them that I do not understand or know who they are or what their intention is, to please cease all communications with me unless they can identify themselves properly or send some type of verification that I have a contract or know them on a personal level. They do not, they just keep sending mail with fake seals, pretending to be government entities trying to induce me under the color of law, which is a crime, as I mentioned before I do not know these individuals or what their intentions are, obviously its FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: ERC
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: AR

Complaint narrative:
Back on XX/XX/2021 LexisNexis received my letter, asking for their method of verification concerning the bankruptcy they reported to the credit bureaus on my credit reports, I sent them by way of priority mail that I have a tracking number for, that shows they received it on XX/XX/2021. When I called LexisNexis last Tuesday XX/XX/2021 to see what the status was on the letter I sent them, they said they could not find it and they gave me an email address to mail them my request again. However, LexisNexis still has not bothered to let me know that they received my email and they will be responding soon or whatever. So let 's try this again, In this letter I need LexisNexis to give me the method of verification for the bankruptcy they reported to all the Credit Bureaus, I need LexisNexis to tell me how they obtained the bankruptcy information they reported to the Credit Bureaus in accordance with the FCRA that states a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. 

When you are finished with your investigation please mail my results to the address below, a copy of my Drivers license and Social Security card is attached for identification proof. Since you all lost my first letter that I have a tracking number for, that you all received on XX/XX/2021, I need this sent to me asap! 

Also, be advised that me and my husband XXXX XXXX share this CFPB Account, so please don't think that this is some third party! You have a copy of my ID and Social Security Card. 

XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Sylvania Acceptance Corporation
State: OH

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: National Credit Adjusters, LLC
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Around XXXX of XXXX I noticed fraud on my credit report. There were multiple credit inquires to rent apartments in Georgia. I called these apartments and companies who did the credit inquiry and provided my drivers license and statement that someone stole my identity. I also filed a police report with the XXXX Police Department. I put together a report and filed it with the credit bureaus. I also locked my credit file. Most companies cleared the false reporting on my credit report. Rent Recovery Solutions LLC showed up on my credit report in XXXX of XXXX after I cleared up most of the fraud reporting on my credit report. I immediately called the apartment XXXX XXXX who was the client of Rent Recovery Solutions and responsible for fraudulently renting an apartment under my social. The manager stated my apartment was rented under the old owners and since he was part of a new management company he couldn't help me. I then called Rent Recovery Solutions LLC and attempted to explain to them what happened. They were unhelpful and rude. They would not help me or take my report. They are making it difficult to dispute and requiring unnecessary steps to dispute. I had to call over 3 times and asked for a manager. They state there is no manager and the owner is the only manager. They also state the owner is unavailable to talk to me. It seems they are making it difficult to help their numbers and chances or recovering fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-03-16 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau disputing items on my credit report that were inaccurate. To date, I have not received any response in regards to my dispute. To my understanding, by law the bureau has 30 days to investigate my disputes and provide a response or the items have to be deleted. I thought I would have received a response by now because it has been over 45 days since my initial dispute, but that is not the case.Before submitting this complaint I sent a second letter demanding a response because I need to get these disputes resolved immediately. This process has been aggravating and I feel like I am being ignored because all the items I disputed are still 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 2021-03-16 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: Kriya Capital, LLC
State: OH

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 response to consumer: Closed with non-monetary relief