vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a notification that my score dropped due to remarks being added. I contacted Equifax and requested that the remarks be removed and was told that remarks are unable to be removed, which is untrue. The process to get a hold of them is ridiculous and absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Improper use of credit. There is a unauthorized inquiry that I did not consent.

Inquiry needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Their investigation did not fix an error on your report
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent this 4 times to Equifax, XXXX and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
On XX/XX/2021, an annual membership fee of {$140.00} was posted to my account. On XX/XX/2021, I received an email notifying me of a statement generated. On XX/XX/2021, I called to cancel the credit card and to have the {$140.00} annual membership fee charge reversed because I did not agree to the {$140.00} charge. Representative refused to reverse the {$140.00} annual membership fee charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

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 2021-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent this 4 times to XXXX, Transunion and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting me!

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX i wake up to text messages from cashapp saying my number and email had been unlinked from my cash app account I login re-link my number in my email and I watch them get deleted again as if somebody is logged into my cash app from another device doing mess my phone kept me logged in the cash app so I was able to change it back as as this hacker was actively changing my information as soon as cash apps customer service opened I contacted them they advised that I had activated Face ID for security measures which I had done and the issue was no longer pressed skip to XX/XX/XXXX I had just received a paycheck and the following morning I get similar messages saying my phone number had been disconnected from cash app I login to cash app and see that there had been three separate transactions one for XXXX dollars the second for {$500.00} and the third for XXXX transferred to a XXXX XXXX XXXX  account I do not have XXXX XXXX  I contact cash app they told me it would be escalated to the security department XX/XX/XXXX I received an email saying that theres not enough information to file a claim and the fraud so I contact XXXX XXXXt and give them the transaction numbers and the amounts and they tell me it goes to another individuals account name XXXX XXXX and that they are freezing the account for fraud and if cash app to contact them they would sort the issue out I contacted cashapp again and told them all of this they then told me yes it is still not enough evidence to open a fraud case and theres nothing they can do and I need to contact local authorities they hang up on me I contacted local authorities local authorities told me I needed to prove that it was fraudulent and all I can get from cash app is saying three transactions to XXXX XXXX I dont have any numbers so police wouldnt follow report because there wasnt enough evidence they told me to contact my bank my bank is telling me theyre not giving me any information until police submit a request and theyre not submitting a request without enough information even start a report cash app then hung up on me again so Im short {$1200.00} after I prove to them that was fraud I even did their jobs and found out who it went to your contact to the other bank the other bank said they would work with my bank cash app to fix the issue but cash app refuses to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-09-22 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: OH

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: GA

Complaint narrative:
On the Eve of XXXX XXXX weekend Friday I went to XXXX on XXXX XXXX in XXXX Georgia to take out {$360.00} out of my Social security account through my Direct Express card that is linked with Comerica Bank which is affiliated with the United States Treasury through the Social security department for people who receive Social security income as the ATM machine was dispensing my money it seized up locked up and displayed on the screen not enough funds out of order printed a receipt showing I only had {$11.00} left in my account I directly walked over to the counter and spoke to the customer service representative at XXXX who then called XXXX XXXX XXXX XXXX they then took my information balanced out the machine and saw that I did not receive the money they then gave me information such as a confirmation or reference number and a regulation e form to tell my bank they needed to fill out and with the number they could see that the money was not received I have called over 20 times since then Direct Express has a robotic answering system that says they have high call volume and then they disconnect you so within this time period I was only able to connect with four people two of the four people hung up on me in the middle of the conversation after I gave security answers, one representative did not even know what I was talking about and sent me to level two department where I was put on hold for over 60 minutes to the point where I hung up I then tried another time and connected with someone else who did the same sent me to level two where I was put on hold for over an hour to the point where I got discouraged and hung up I do not believe there is a level two department I believe they just put you on hold until you get tired of it and you hang up I've yet to receive my money back I am XXXX years old I only get {$870.00} a month in Social security income and that {$360.00} was left to pay my remaining bills and to buy food for myself for the rest of the month I have no money at all and can not get the bank to help me so I am filing this complaint and hopes that you can help me resolve this matter as soon as possible as I am hungry and I'm afraid that my power is going to be shut off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
Repeated calls to my place of employment. They have asked coworkers and left a message stating they are going to report me to HR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
XX/XX/2018 I engaged in a consumer credit transaction. With Pulte for an alleged mortgage loan. As a consumer this was a violation of my rights and fraudulent on Pulte behalf due to them not being able to loan money and only borrow pursuant to 12 USC 1431. Pulte required finance charges in said alleged loan that did not include insurance premiums and still required a cash payment at closing which violates 15 USC 1605. Beginning XX/XX/2018 I began receiving notices from XXXX XXXX stating my alleged mortgage had been sold by Pulte. I had not consented to my information being transferred and this is a violation of my rights and identity theft on their behalf.

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 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I settled with my old credit card company The XXXX XXXX XXXX  years ago. ever since they have sold off the balance to various collection agencies to try and collect the balance. I have had the collection removed from my credit report in the past and now have opened the dispute with all three again. they have sold the account to National Credit Adjusters fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates the JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) and JEFFERSNCP were found on my credit report in violation of Federal Law. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent letters to credit bureaus starting in XX/XX/2021. I have some incorrect information on my credit file, and that negative information is causing a bad impact on my credit file. According to the Metro 2 system everything that is reporting on your account should be a 100 % accurate. The bureaus have copy of the letters that I have sent in.I need those investigated properly. I want to see the original documents supporting their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Asset Recovery LLC
State: GA

Complaint narrative:
The credit bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and fair credit reporting act i need these actions taken care of immediately

Company response to consumer: Untimely response
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Major credit reporting company leaked my information spent countless months and money on lawyers to fix it filled identity theft contact reporting company personally wrote countless letters made countless phone calls still a dead end no answer and no solution or anyone to help!

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX incorrectly reported to TransUnion that I missed a payment. XXXX  XXXX XXXX transitioned my loan servicing to XXXX XXXX XXXX as of XXXX. I am submitting via the attached documents proof that I have not missed a payment. I want this information to be corrected on my TransUnion credit report ASAP. I would also ask that XXXX make sure they submit this corrected information to the other 2 credit reporting agencies to avail me from having to submit further complaints about this issue to the CFPB.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation