vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 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: NC

Complaint narrative:
XXXX  XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX  I Mortgage Companies XX/XX/XXXX Experian XXXX XXXX I XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a 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 non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I was looking at my bank account and I saw a transaction for- XXXX another one for XXXX and another one for another-XXXX  XXXX all within the same minute I called immediately to tell my bank they said they can not do anything until the transactions went through then they could do a dispute. I said, declined them! why would you wait until somebody could steal my money! dont let them steal my money! they said, Im sorry its policy to let it go through then we can start a dispute so I had them cancel my card I changed all my passwords and everything so I felt safe again. 
On XXXX transferred more money from my XXXX XXXX XXXX XXXX to my account in the amount of XXXX, {$200.00}, XXXX like I have been doing because I was raising money to fix my vehicle so that I could go to my XXXX for XXXX in XXXX in XXXX instead those also showed negative-XXXX  XXXX. XXXX even though my bank card had been canceled and they also said the same thing, I called immediately they said wowww, exact words, how did this happen when your card is clearly been turn off and compromised, we know this for sure. Then again tells me that they would have to wait for it to go through to start another dispute. 
I told them I have the receipts from XXXX XXXX stating it went into my bank, it never showed that it went into my bank account, only that it came out .you will see Im going to attach my account number and the transactions that came out of my account I found this company very fishy when you dont decline a theft of money to protect the consumer and they are not putting my money back I need Helprin get my money back asasp

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America account shows delinquency between XXXX and XXXX of 2019. This information is incorrect. The account was closed prior but due to yearly fee, it continued to show a balance. This was worked out with company and we received letter from company saying there is no delinquent history. Yet it continues to show up on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Money ( {$9500.00} ) transferred from XXXX  XXXX XXXX to Citizens Bank. Getting mortgage from Citizens Bank and they told us if we have an account we can save money on our mortgage. Transfer stopped due to suspicious activity. Contacted XXXX  XXXX XXXX, they told us, and sent documentation Citizens has it. Citizens says it doesn't have it. Spent numerous hours being transferred to voice mails, but still haven't heard back about getting our money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-06 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: MD

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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

Complaint narrative:
I have been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. XXXX  advised I need to send them information from creditor/courthouse. Equifax claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: FIRST NATIONAL BANK OF OMAHA
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2021 Re : XX/XX/XXXX FNB XXXX XXXX XXXX XXXX XXXX, NE XXXX Dear Credit Bureau, I recently received a copy of my XXXX  credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. 

Sincerely, XXXX XXXX SSN: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 2021-06-06 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: DISCOVER BANK
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company DISCOVERBANK account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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

Complaint narrative:
I have reviewed a copy of my credit report and I show company DISCOVERBANK account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a 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 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
I have been receiving emails from ACE Flare Account by XXXX since XX/XX/2020 stating that I have an open account with them. I never opened a credit account or purchased a debit card with this company. I thought it might be a scam, so I researched online and XXXX has this company listed on top of the search results as " Official Site '', so I felt more comfortable calling their customer service number. Here is their website and phone XXXX XXXX XXXX XXXX. One of their emails to me mentioned a {$50.00} balance on my account.

Their rep asked for my address and the last 4 digits of my social which I provided. Then they asked when I purchased the card ( this seems to be a pre-paid debit card ). I said I never purchased this card and thought it might be fraudulent use of my personal information. They said that since I could not answer the question, I had " failed their verification process '' and they could not help me. This was a huge red flag. I asked what I could do now, for example, how do I report fraud.. they just kept repeating that they could not help me because I failed their verification because I could not tell them when I opened the account - completely ignoring the fact that I never opened the account and was calling to see if it was fraud. I had to hang up because he refused to provide any more info and refused to send me to a fraud dept. 

I checked online and saw many, many other people that had the same complaint - that accounts were opened in their name without their consent and that customer service could not help them close the accounts. One person mentioned that they were informed by ACE Flare customer service that this card was a " promotion '' which I found suspect. Others said it's a phishing scam. Another person mentioned that ACE Flare is owned by a company called Netspend. They provided an email for management, XXXX. I sent an email to Netspend to request they close the account, but I'm afraid that they are all complicit and it may not do any good.

I am concerned that this company has my previous address and the last 4 digits of my social security number which could be used to compromise my identity for fraudulent purposes. I would appreciate your help in getting to the bottom of this and letting me know if I have reason to be concerned and what I can do to protect my identity.

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 2021-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management. 
Michigan. 
Repeated calls on a daily basis. 
Robo calls always from a different number. 
Always attempting to collect on an unpaid debt. 
Problem is I have no debt with this company nor ever had. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 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: MO

Complaint narrative:
I have tried repeatedly this morning for over an hour ( XXXX ) trying to access my TransUnion account to report incorrect and missing information. 

It stated I already 'have an account ' and, to create a new account. I tried several times to do this. 

I have a PIN # ; and, recently had a 'freeze lift ' which has expired. 

If time has elapsed since accessing TransUnion for any service, etc., and, they require 'new ' passwords, etc., then they should contact the user ( me ) and allow me to 'reset ' same on-line and then not allow this OR not create a new on-line account?? 

This company has a very difficult platform to contact via email and, extremely long wait times for telephone contact.

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 2021-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. Transunion advised I need to send them information from creditor/courthouse. XXXX  claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.

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 2021-06-06 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: ID

Complaint narrative:
I disputed a charge on XXXX by mail. The company never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope all is well.. 

Im not for sure why my security freezes are not on all 3 bureaus. I really need the security freezes put back on please. Im having fraud and identity theft Issues again. Thank you for your time. Have a wonderful day and please be safe.

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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope all is well.. 

Im not for sure why my security freezes are not on all 3 bureaus. I really need the security freezes put back on please. Im having fraud and identity theft Issues again. Thank you for your time. Have a wonderful day and please be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and Vervent, as new servicer, was.

Again, the reports submitted to the bureaus include negative payment history that is not to be included.

The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, Vervent. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. 

Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. 

Rule : 1. Update Account Number, one seamless file. 
2. Open new account. Close original.

Bank Opted for # 2.

If you do that, the open date is the same. Negative information is excluded. 

Negative information removed from original account. Reinsertion rule prevents re-reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI

Complaint narrative:
About 13 years ago, I had bought a car that was financed through Prestige financial, out of Utah. I had made a few months payments, until, it was not financially feasible to continue with the loan. I had asked them what my options were, and finally found someone to take over the loan. 
The person that took over the loan, made 1 payment, then defaulted, and did not. Follow thru with the transfer of the loan. 
Pristige, ended up getting the car back, selling the car, then months later I was contacted, saying that I still owed, around XXXX for the car. 
I had tried, to work something out with them, 13 years ago!! To no avail. Meanwhile, I just received a letter from my employer that they got a judgment against me for {$26000.00}!!! And, are going to garnish my wages. The car was worth about {$5000.00} max. I was living in XXXX, when this happened, and currently live in XXXX. What can I do?? Prestige, has a horrible record of predatory lending, and are abusive, in there practices. 
Since this fiasco, I have financed and paid off! 2 vehicles. Please help. Thank you.

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

Complaint narrative:
Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.

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 2021-06-06 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: MI

Complaint narrative:
Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.

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

Complaint narrative:
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. THIS IS IN NO WAY A REGULAR DISPUITE, i have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because it is to my knowledge I do not recall even opening this account. I need this problem fixed immediately. On XXXX 2021 I sent a letter to each bureau in regards to this account. I will not wait another 60 days to receive 0 response because clearly i am being ignored on this matter. [ I demand this account be deleted immediately or i will file for litigation due to the stress this has caused me and my family. ] In Section 611 ( a ), it is plainly stated that a failure to investigate this account within 30 days gives reason to immediately remove this item from my credit report and it has been well over 60 days so this account should be removed promptly!!

Company response to consumer: Closed with explanation