vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: OK

Complaint narrative:
I submitted certified letters to XXXX, Equifax, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: OK

Complaint narrative:
I submitted certified letters to XXXX XXXX, and Experian advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.

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 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
A debt collector may not engage in any conduct the natural consequence of which is to harass, XXXX or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

Midland Credit Management stated that they were trying to keep this account out of the hands of the lawyers. I received that as a threat against my reputation, in violation of 15USC 1692 ( d ) 1 The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
This company is deceptively doing business as Allied Cash Advance and using the actual company logo when in fact they are not affiliated with them at all. 

I received a loan approval for a range between $ XXXX {$8000.00}. In order to secure the loan I would have to pay {$300.00} either by debit card ( which would take XXXX business days to clear ) or by using an XXXX  payment card or XXXX 

I spoke to an actual Allied Cash Advance representative over the phone and they stated this is not their company policy and that they do not do installment loans in the state of Indiana which is where I live. 

I will attach a copy of the loan agreement and email I received with the phone number. There is no website for this fake company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with XXXX and TransUnion credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I have several hard inquiries on my credit report that are fraudulent I need removed One main financial XXXX XXXX XXXX XXXX One main financial XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One main financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent XXXX and Experian by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..

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 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC
State: AZ

Complaint narrative:
On XX/XX/21 I received a phone call from a person unknown to me - I would not verify my address so they would not continue - after the call I did a quick internet search to find out who they were - it was Audit Systems Inc - so I called back to find out what this was about - verified and they told me I owed {$50.00} for a XXXX XXXX I said I paid it, they said I needed to send them proof or pay right now. I said no - I dispute the debt and they needed to provide the evidence as per the FDCPA, they said no I said you clearly don't know the law and they got louder said some numbers and hung up. I called back verified and told them to Cease all communications both verbal and written. 

At this point they are refusing to provide the validity of the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: IL

Complaint narrative:
XXXX XXXX continues to report inaccurate information regarding my credit file. XXXX XXXX is reporting current up to date accounts as potentially negative accounts. 

XXXX XXXX reported a 38 delinquent account when the accounts are paid and no longer reportable on my credit report. 

XXXX XXXX continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

XXXX XXXX continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

XXXX XXXX continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: IL

Complaint narrative:
XXXX XXXX continues to report inaccurate information regarding my credit file. XXXX XXXX is reporting current up to date accounts as potentially negative accounts. 

XXXX XXXX reported a 38 delinquent account when the accounts are paid and no longer reportable on my credit report. 

XXXX XXXX continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

XXXX XXXX continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

XXXX XXXX continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy 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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had sent out a 609 letter to the company to dispute these incorrect accounts however it has taken longer than 30 days to receive a response.

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 2021-06-30 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: LEXISNEXIS
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this 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 2021-06-30 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: DISCOVER BANK
State: GA

Complaint narrative:
I have several hard inquiries on my credit report that are fraudulent I need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NC

Complaint narrative:
I have contacted Experian andXXXX on XX/XX/XXXX once again to uploan the supporting document to show that this bankruptcy was not verified though XXXX XXXX or the Courts. I have also mail these document three times in the past, the most recent was XX/XX/XXXX. I received no response from XXXX, or Experian. I would like them to remove this bankruptcy off of my credit report immediately.. Please review my supporting documents in which I have uploan on XX/XX/XXXX. As you can clearly see my document state that they do not report to credit bureaus or any credit reporting agencys. XXXX XXXX has removed this item as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$450.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: AL

Complaint narrative:
letters were sent to equifax, XXXX, and XXXX with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed all of my Citi credit cards with no contact. I was using Citi cards for many years, paid my bills and annual fees on time. From last XXXX, I was out of US because the Covid 19, so I missed 1 or 2 payments, but paid off in second after I found that. Sometimes, Citi.com wasn't easy to login outside USA, also the Citi App. I have good financial condition, and many investments. I don't understand why Citi closed a loyal customer 's accounts, for only few dollars interest and late fees. And I was paying the interest and late fees. Also, Citi confiscate all of my cash back rewards, around {$500.00}. I need to protect my rights. Never receive any letters which explain the reasons how the decision was made, even I asked Citi couple times.

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 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with LAW OFFICES MBA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My local bank is XXXX XXXX which is merging with XXXX XXXX. I tried opening an account and my accounts was closed. I was explaining my issue with a gentleman name XXXX in the corporate division. I was told an account was opened in my name fraudulently in 2016 without my authorization. He told me there's nothing they was able to do. I was outraged and reached out to the Attorney General office. I being penalized for someone compromising my information. I will be sitting down with an attorney as well. I want whatever negative information to be removed out of my name immediately. My social is XXXX

Company response to consumer: Closed with explanation