vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have 2 disputes entered XX/XX/2021 and as of XX/XX/2021 they are still under investigation. And no one has contacted me to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: IL

Complaint narrative:
I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 56 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After over 120 days of sending Equifax several dispute letters directly using USPS certified mail green receipt return. They continue to willfully ignore, not take any actions, and continue to furnish detrimental inaccurate negative accounts on my consumer report. I have attached the most recent dispute letter I sent them below just for CFPB records. Equifax has been in receipt of this letter now for over 35 days and willfully has not taken any action as legally required. Equifax continue violating multiple sections of the Fair Credit Reporting Act including 15 USC 1681i by failing to properly and legally investigate these erroneous accounts. With the help of the Federal Trade Commission and my State Attorney General, I will be enforcing for all damages I the consumer have incurred pursuant to 15 USC 1681o of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NC

Complaint narrative:
3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING LEXIS NEXUS WITHOUT MY AUTHORIZATION AND IGNORING MY DEMANDS FOR AN OFFICIAL INVESTIGATION WITH STEP BY STEP WRITTEN DOCUMENTATION OF THE WHO, WHEN, WHERE, WHAT METHODS, DATES, NAMES, NOT PROVIDED ALLOWING XXXX TO ILLEGALLY CHANGE NAMES UNDER THE ACCOUNT WITHOUT LEGAL PROOF THAT THE FEDERAL LAW STATES THEY ARE TO FOLLOW AND OBEY THOSE LAWS WERE NOT FOLLOWED THOSE LAWS WERE NOT DONE MY RIGHTS WERE VIOLATED ON MULTIPLE OCCASIONS MY RIGHTS WERE VIOLATED FOR A PROFIT BY THIS COMPANY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Hello, On XX/XX/2021, First Bank did an unauthorized hard inquiry into my credit report. I applied for a personal loan on XX/XX/2021, and I authorized that hard inquiry. When I was approved for the personal loan with a very high-interest rate despite my excellent credit, I asked them to provide the credit score they were using in order to base the interest rate of the loan. I explicitly told them to not check my credit score again because they already had that information from XX/XX/XXXX, and that the credit report is good for 30 days. But despite my warning to not check my credit score again, they did a second hard inquiry on the XXXX without my knowledge or consent. I want to dispute this unauthorized hard inquiry since it was excessive and unauthorized. I have decided not to take the high-interest loan they offered me, and I am still looking for another loan provider, this second unauthorized hard inquiry, lowered my credit score by 3 points and will affect the interest rate of the personal loan offer with another financial institution.

Address of the First Bank branch in dispute : First Bank Attention : XXXX XXXX, Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your attention, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
XXXX, XXXX and XXXX XXXX XXXX  continue to affect my credit with these collection claims. I was a victim of fraud and ID theft!!! This should t be on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
( CAPITAL ONE AUTO FINANCE ) at ( XXXX XXXX XXXX XXXX, TX XXXX ) has been sending me collection notices in the amount of ( {$49000.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in 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 2021-06-21 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: United Revenue Corporation
State: TX

Complaint narrative:
I do not know these account. These accounts has a lot of missing information to stand as a valid report. I urge your team to remove them from this report because they are really derogatory and it affects my scores badly. I can accept if they are true but by the looks of it it is surely not. I do not own or know these accounts. I demand an investigation and removal of these collections accounts that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: The Outsource Group, Inc
State: NC

Complaint narrative:
3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING LEXIS NEXUS WITHOUT MY AUTHORIZATION AND IGNORING MY DEMANDS FOR AN OFFICIAL INVESTIGATION WITH STEP BY STEP WRITTEN DOCUMENTATION OF THE WHO, WHEN, WHERE, WHAT METHODS, DATES, NAMES, NOT PROVIDED ALLOWING XXXX TO ILLEGALLY CHANGE NAMES UNDER THE ACCOUNT WITHOUT LEGAL PROOF THAT THE FEDERAL LAW STATES THEY ARE TO FOLLOW AND OBEY THOSE LAWS WERE NOT FOLLOWED THOSE LAWS WERE NOT DONE MY RIGHTS WERE VIOLATED ON MULTIPLE OCCASIONS MY RIGHTS WERE VIOLATED FOR A PROFIT BY THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Dispute with Case # XXXX on Citi shows that it will be resolved by XX/XX/2021. However, it still has not been resolved and Citi is not communicating anything regarding the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CT

Complaint narrative:
They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have about 15 inquiries that arent mine! Ive never applied for a vehicle or some of those creditors!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX, my family bought a leather sectional from Macys with a Macys credit card, primarily used for protection purposes. Upon receipt of the unit, both the delivering company and my family noticed material quality concerns with two of the pieces, which we immediately conveyed to Macys. We endeavored to work with Macys to remediate the issue, but elected not to receive a piecemeal resolution as we wanted all pieces to come from the same lot. After some delay due to COVID challenges, the sofa was picked up and we received credit and we asked for our account to be closed ; however, Macys inadvertently reflected a negligible balance due to an internal issue. My wife called multiple times and Macys apologized and intimated the problem was resolved in the XXXX / XX/XX/XXXX timeframe. 

My credit score has always been exceptional, a XXXX  score typically over XXXX. It wasnt until XX/XX/XXXX, after patiently waiting for over a year for historical low interest rates and closing cost fees, that I asked XXXX to run my credit score for my requested refinancing loan. At this juncture, I learned that my credit score had dropped 70 points due to the erroneous and fraudulent information ( late payments across XXXX, XXXX and XXXX ) that XXXX had shared with all three credit bureaus. This prevented me from securing my loan. I called XXXX and they acknowledged culpability for the error, blamed it on their computer system and sent me a letter that they would correct the issue with all credit bureaus, albeit it would take 30 days most likely for any adjustment in my credit report, literally sabotaging any immediate chances of my family securing premium refinance rates and savings. I reached out to multiple individuals ( such as XXXX XXXX - Liaison Credit Executive Office ; XXXX XXXX - Executive Office Liaison ) at Macys and the best response was an offer of a 25 % discount, a standard discount I receive routinely from Macys, to essentially go away. Macys error cost my family a loss of over $ 18K in interest rate savings over the life of the loan, not to mention over $ 2K in closing cost savings when compared to loans available XX/XX/XXXX and beyond. 

Macys error resulted in reputational damage to my name with my bank and a financial hardship to my family. My account should have been closed properly with no balances reflected due to Macys error. And then I had to be the one to bring it to their attention or I would have been impacted in perpetuity for their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a checking and several savings accounts with Capital One Bank. In XX/XX/XXXX, I provided Certificate of Trust ( a form from Capital One ) to retitle all my accounts in the name of my living trust. 

I received a letter dated XX/XX/XXXX, stating they need information about my trust. This information was already provided on the Certificate of Trust when the account was set up. The letter threatens that Capital One will put my funds on hold on XX/XX/XXXX and close my account by XX/XX/XXXX. 

I called the number and nobody at Capital One can explain why they are asking for information I've already provided. I asked to speak to a supervisor and was disconnected rather than being put in contact with one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
My situation began in XX/XX/2021 ongoing, amount in question a little over {$10000.00} accumulated during covid19 the national pandemic. I have made numerous calls to loss mitigation as directed with XXXX XXXX to workout post forbearance payments. There has been no attempt to assist based upon the terms and options available to retain my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have about 15 inquiries that arent mine! Ive never applied for a vehicle or some of those creditors!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have about 15 inquiries that arent mine! Ive never applied for a vehicle or some of those creditors!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: POPULAR BANK
State: NY

Complaint narrative:
Reference to Complaint ID XXXX. Please find additional documentation regarding my complaint to XXXX XXXX. 

Receipts for payments for the safe deposit box attached made in XXXX and in XXXX. XXXX XXXX legal department advised that the contents would be secured until the court closed the voluntary administration of the estate. 

It is incomprehensible that the bank disposed of a safe deposit box contents while the court was handling an estate.

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 monetary relief