vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX CARD Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 explanation
Consumer complaint received 2020-11-22 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: GA

Complaint narrative:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: VA

Complaint narrative:
I checked my bank account back in XXXX and noticed a deposit of {$100.00} to my main, personal checking account from XXXX. I had never heard of this service before this date. There were many other fraudulent issues on these accounts as well that have all been resolved except for this one. I tried to reach out to them, which is nearly impossible unless you have an account there, and I was directed to their fraud department. 

I don't remember this exact date, but it was some time in early XXXX. I was told I would receive information to send back to them and this was never sent my way. 

On XX/XX/XXXX, I called and got a fraud case set up for me and they sent me information to fill out. I sent them an email to the email address they provided with questions regarding the documents required on the XXXX. In this email, they explicitly stated I had 15 days to return all these documents. 

On the XXXX, the same day I sent my questions, I got an email saying the case has been resolved/closed due to lack of response from me to the company. I then sent another response to that email saying I had questions that didn't get answered and then asked if my case was actually resolved or if they were just closing it for inactivity - even though there was activity. 

On the XXXX, I received another email claiming a different ticket was closed. Again, no questions were ever answered. 

I was reaching out to them to begin with because the account that was opened in my name is late and is hurting my credit score. I have filed disputes with the 3 main bureaus and I am concerned that they are going to reach out to MoneyLion and XXXX will claim that I haven't tried to resolve it with them - even though I clearly have. Another concern of mine is the fact that they have a different amount than what I see. I received {$100.00}, they have that it was {$150.00}, but my credit report is showing approximately {$500.00}.

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 2020-11-22 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: GA

Complaint narrative:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-22 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: GA

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Transcontinental Credit & Collection Corp
State: OH

Complaint narrative:
I HAVE ALREADY CONTACTED THE CREDIT AGENCIES INFORMING THEM THAT THE INFO BEING REPORTED IS INCORRECT AND NEEDED TO BE UPDATED BUT THEIGNORED MY REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE ALREADY CONTACTED THE CREDIT AGENCIES INFORMING THEM THAT THE INFO BEING REPORTED IS INCORRECT AND NEEDED TO BE UPDATED BUT THEIGNORED MY REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After having my debit card and {$5000.00} stolen, I have appealed over 7 times to Citibank to refund the money to my account as they promised on XX/XX/2020. Since then I filed a complaint on the Consumer Financial Protection Bureau website which prompted Citi to immediately respond with the attached letter and promised to refund the money within 3-5 business days. It has now been 10 business days and upon speaking with the manager in charge of my case, she informed me that there is in fact no timeline in which I will receive the money and she was not even sure the money would be refunded to me at all. It seems as though Citi sent the attached letter only as a means to appear as though they are resolving the matter when in fact they are not. 

This has been the most unprofessional, unethical, and dishonest experience I have ever had with a business much less a global financial conglomerate.

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 2020-11-23 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am on a joint car loan with my Dad, since XXXX. My Dad is the BECU member, I am not. At the end of XXXX my Dad filed bankruptcy and since then the loan is now listed as Account Relationship Terminated and even though I am still making payments to the loan and they are being accepted, these payments are not being reported. We both went into a BECU office back in XX/XX/XXXX to see why my payments are not being reported to my credit history, and they said they would call us back with more information. They never called back and they still are not reporting that I am making payments. I dont understand why my father declaring bankruptcy has affected the loan in this way when I am the one making the payments on it. BECU has not been helpful in resolving this situation AT ALL. All I want is for them to give me credit for paying this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: LA

Complaint narrative:
Contact this company for months and got no, respond sent letters no respond ask them to validate this debt no respond I need them to delete this account asap there in violation do to the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/2020, I received a collection letter from Credence Resource Management , LLC. After requesting a validation of debt on XX/XX/2020, they provided me with an account summary in a letter dated XX/XX/XXXX. I responded in writing, dated XX/XX/2020 and indicated that this was not an acknowledgement nor acceptance or ownership of this debt nor any promise to pay. They responded via email dated XX/XX/XXXX and replied they were in receipt and marked my account as dispute. 
On XX/XX/2020 they emailed me a response indicating the charges on my account were valid. On XX/XX/XXXX, Credence Resource Management , LLC added a derogatory mark on my XXXX  Credit Report. Please note that this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection and there was no written form of communication, nor did they furnish a contract ( signed ) or signature for this accused debt. A bill without a signature does not validate the debt and any individual can send a bill indicating I have ownership. According to the FCRA, Credence Resource Management , LLC has violated my rights as a consumer and I'm requesting legal action to resolve this by removing this errant account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo partners with XXXX which Ive place a deposit in the amount of {$500.00} before I picked up, through them for a puppy i was planned to purchase. I discovered within less than 8 hours it was fraudulent and a scam. Called the bank immediately, they refused to reverse the payment/deposit I had made. Ive already contacted my local PD and FBI. MADE complains against Wells Fargo and XXXX to XXXX. Im determined to get my hard work money back, even if i have to proceed legally.

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I sent box by airmail fastest way to USA. 
The post office agent assured me two weeks delivery maximum as it was a birthday gift. Expected to arrive XX/XX/XXXX latest It is XX/XX/XXXX and package has not arrived to my niece in USA. 
Therefore, I will not pay XXXX $ for SERVICES NOT RENDERED, so I am disputing the charge I have all documentation and receipt Since XXXX XXXX has no address or email stated in their website I can not contact merchant form USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: PA

Complaint narrative:
I tried several times reaching out to direct express about this fraudulent transactions XX/XX/2020 XXXX XXXX XXXX, XXXX, PA ATM CASH WITHDRAWAL {$700.00} XXXX XXXX, CA CASH PURCHASE {$780.00} still have not received any funds back from any provisional credit this results in my bills being paid rent is due i need my money now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I recently contacted Synchrony bank on XX/XX/2020, to discuss billing payments. I agreed by phone with a billing rep to make a {$100.00} payment on the XXXX of each month. I requested the billing rep send me a letter outlining the terms and agreements of the payment plan which I never received. On XX/XX/2020, the credit card company debited an unauthorized payment of {$100.00} from my bank account. On XX/XX/2020, another {$100.00} payment was debited from my bank account. I called the credited card company on XX/XX/2020, to discuss why an unauthorized payment was debited from my account. I was transferred 4 times without resolution.

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was approved for a Costco Citibank Visa card on XX/XX/XXXX. As of XX/XX/XXXX I have still not received the card. Both Citibank and Costco toll-free customer service numbers told me that the local Costco store could provide a print-out good for 15 days in the store, so that I could make charges within Costco to earn my 2 % rewards associated with this account. They said this print-out would not contain a CVV code so it couldn't be used outside the store. On XX/XX/XXXX I went to Costco located on XXXX XXXX in XXXX, Ohio and requested this print-out. The store personnel gaslighted me and said they haven't done anything like that in two years. The manager XXXX then acted like I was crazy for even suggesting this and that I was clearly mistaken and had no idea what I was talking about. Yes they were making me question my own sanity for believing this was a thing. So I called both Citibank and Costco customer service back and confirmed this shopping pass is an attribute of the card and that the store should have issued a temporary card for in-store use. In fact if you call Citibank at XXXX it's Option 2, Option 1 to learn about the temporary card.

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 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Please provide a copy of a signed contract with my name saying this is my debt. 
Remove from XXXX. XXXX, and XXXX  immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: PA

Complaint narrative:
Please provide a copy of a signed contract with my name saying this is my debt. 
Remove from XXXX. XXXX, and XXXX  immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: SC

Complaint narrative:
I have been unable to work and receiving unemployment through no fault of my own during this Globel Pandemic COVID-19 Disaster emergency like all other consumers struggling right now while we watch all of our leaders that work for us that are supposed to be helping us during this time by providing Federal Stimulus Emergency Funding but are too consumed with filing lawsuits at the moment since ever since they came back from their month long vacations that we pay for. While america cars get repossessed and house get repossessed by Financial Institutions like CARMAX We do have CARES ACT Policy supposed to protect consumers against car loan financial institutions like CARMAX Who cowardly came and stole my vehicle from me and my children in the middle of the night like thieves, no waring, no emails only unnecessary harassing daily phone calls by nasty customer service agents that you just gave them a payment 2 weeks ago. I have been paying what I can from my small unemployment check I am supposed to be feeding my kids with. It's not like they have not received any Payments at all in 3 months? How is this legal and allowed to take place during this Pandemic? Consumer Financial Protection Bureau and the Care Act Laws and policy in place during COVID-19 to receive credit reporting protection and repossession protection for consumers against this poor treatment from these greedy Car Financial institutions like CARMAX who has been forced to close half of their car dealerships and are filing for bankruptcy. They are Closed to speak with consumers on Sundays so we could not speak with anyone for after our hours emergency situations and could not get any answers from calling an actually CARMAX Dealership, We were just told sorry we can't help you call back tomorrow. This felt like we're operating in a third world country not in this century. Honestly, I was so blindsided by this whole thing because of their agreement to work with me during this difficult time, so my children and I were unable to drive to get any essentials all day on Sunday XX/XX/XXXXXXXX before XXXX Holiday. My vehicle is full of very important paperwork and information that I need in my possession ASAP. My family and I have been so upset all day and can not believe we have been treated like this by CARMAX During this difficult time COVID-19. The Consumers have rights and Protection Required by the Care Act Amendments Policy in Place to the FCRA The vehicle information is XXXX XXXX XXXX XXXX VIN # XXXX five year old car Retail value for five year old car not much value needs repairs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TN

Complaint narrative:
I HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT IS LISTED AS MY ACCOUNT WHEN I HAVE NEVER SIGNED OR APPLIED FOR THIS ACCOUNT.

Company response to consumer: Closed with explanation