vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I filed a dispute with credit bureau since this account is showing -- for XXXX, XXXX closed with a charge off, then XXXX   open with 120 days late? They sent via mail what they consider validation of debt dated XX/XX/XXXX. I called on XX/XX/XXXX attempting to settle for {$160.00}, since I am not currently working and have been off work since XX/XX/XXXX for XXXX XXXX XXXX. I explained to the rep I spoke with over the phone once she asked me about the dispute, and I told her that they are not reporting to my credit bureaus accurately and consistent so it is hurting my credit, I'd rather settle and close the account. I am willing and able to settle and close the account for {$160.00}, so it can just be taken off all my credit bureau accounts so they can all finally report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: AR

Complaint narrative:
I received two letters From Equifax during the month of XX/XX/2020 which stated " We were unable to locate a credit file for one the following reasons, I do not have a current file, I have not applied credit recently, I have not actively used credit in the past ten years. It makes no sense and simply unacceptable when Equifax just responded to my recent dispute 2 weeks ago. This is nothing more than a simple stall tactic used by the automated data furnisher e-Oscar pacer system. Equifax has and CONTINUES to violate the Fair Credit Reporting Act Sections 605b,609, and 611.  Equifax has not provided accurate verification within the 30 day allotted time. Equifax has not issued a block after within 4 days of being notified by a consumer of the fraudulent accounts being reported due to identity theft in my identity theft report completed by the Federal Trade Commission. Equifax has a removed and account in error which was never requested to be disputed on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I was and am i victim of cyber attacks cyber crime and identity theft. It has stemmed XXXX and has bled to other reporting agencies. I am the victim in this yet i am treated by some like the account originator. Yet i am not. 

World finance has been notified and asked via disputes/SINCE XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX and i have talked with them over and OVER. Yet i am being told that they have factual information. No they don't. One they has lost the original documents, I was told by a local world finance store. Two they  refuse to give me ANY information about the LOAN other than they want me to pay for it*settlement*. They charge it off and off changing the price up and down to adjust activity to lower my credit. The Bureaus always allow them. Ridiculousness and criminalistic in nature and it directly violates the FCRA and my rights. I have done all that has been asked of me FROM all parties. 

My entire identity and life was stolen from Drivers license, birth certificate, social security card. All from cyber attacks cyber crime and identity theft. Had financial take overs in multiple accounts. And not just in the first settlement with XXXX  but the 2nd NOW. 
I am attatching to very first and ONLY thing i have received from the company. And i refused to settle for anything because it is not mine. Remove surpress and delete. This is what ive asked. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: AR

Complaint narrative:
It has been over 30 days since I've contacted Experian regarding a dispute that included two accounts reporting on credit file that were established without my knowledge or consent. These accounts today are still reflecting on my Experian Credit Report. I have sent supporting documentation including a identity theft report which was very detailed. Experian has and continues to violate the Fair Credit Reporting Act Sections 605b, 609, 611. In addition Experian placed an account in dispute that was never initiated on my behalf ( XXXX XXXX ). I called Experian and after speaking with a Representative I was told it was nothing that could be done about which is unacceptable. So Experian has 1. Failed to provide accurate or 100 % verification within 30 days or proof obligating me to the fraudulent accounts in question. 
2. Has failed to provide a block within 4 days after being notified with a supporting documentation including a Identity theft report from the FTC 3. Has removed an account in error and admitted to doing so but is unwilling to cancel this dispute they initiated. 
4. Experian has caused a financial strain on my current financial situation in regards to credit score not being accurate due to their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; sXXXX On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Tried to get information on my loan a account ledger from Brigecrest financial in which I was told the sold my loan to a 3 party company and have no information of my account when I asked how did you even pull my account up or is you sold my account why dont you have a day of sale to the 3 party and dont you have to have a receipt for your im companies auditing they were rude and was hung up on many of times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was notified by my credit monitoring that I had an account that was open by Midland Credit Management. I never heard of this company. Never opened anything with them. I found out they purchased a debt from a creditor XXXX XXXX XXXX  XXXX that had already charge off my account with them. Midland have been reporting on my credit report that I have not paid them every month or even twice a month. They never reached out to me by mail or phone. Now they are trying to sue me for something I never opened with them. They never tried to contact me. I found out about them through my credit monitor report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
The credit card issuer, Elan Financial Services, uses an arbitrary cutoff time of XXXX XXXX  central time to determine whether a payment is considered on time or late. This information is buried in the fine print of their member agreement yet their payment system, when submitting a payment, indicates that the payment will be processed on time when submitted on the due date but after the arbitrary cutoff. 

The use of an arbitrary cutoff rather than a transparent cutoff like 'midnight ' on the day payment is due is clearly an attempt to confuse consumers with a 'gotcha ' policy that results in more revenue from late fees and preys on consumers who think they are being responsible by making payments on the due date only to find out the arbitrary cutoff was missed by a matter of minutes. The use of an obscure and arbitrary payment cutoff deadline is predatory behavior and should not be allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED 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 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diverse Funding Associates LLC
State: OH

Complaint narrative:
On XX/XX/2020 this info was posted on my Credit report, Potentially Negative Major Derogatory is collection Yes, Open Date XX/XX/2020 payment status Grid Code G ( collections ) XX/XX/2020 amount {$1200.00} from XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX XXXX Validation of debt transfer was not confirmed? Where is this debt coming from? Companies involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  and XXXX and XXXX? us/dnf-associates-LLC.html   Foreign Limited Liability Company XXXX XXXX XXXX XXXX Ny XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX. Last I hope these people didn't send the US Marshals to my house, with AKs and guns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
So about a couple of months back I needed to get a loan to pay some of my bills. I went to checksmart and I was able to get the loan and pay off only a small but if my bills but I was still struggling with money. I have rent, electric, phone, and even medical bills for medicine to pay for my mother. I do not have a car and it costs a bit for me to catch two buses to get to work and back. But Checksmart has been constantly calling me non stop every single day since sometime in XXXX last year or XXXX this year up till now. Constantly being rude and demanding payment. And even at work they call non stop. When I'm home they call non stop. And when I would answer they hang up. One time I even answered and asked how much did I owe the lady hung up. All day long I get a total of 6 to 7 calls by them every single day. I almost got fired cause they called during a very important event at work. I keep my phone on during work in case of emergencies. And I was even at my mom 's XXXX in the hospital and they kept calling me. This is getting way out of hand and very annoying and I strongly feel harrassed by XXXXhecksmart. They clearly do not care. Also I found out that when a person seeks to get a loan for them they do not tell the person that they secretly apply an extra {$150.00} on a profile that they don't even mention at all because they did this to me. I'm struggling a lot with money and my health problems because I'm sick a lot. But they even called me today while I'm at work. This is really getting on my nerves and stressing me out. And this was the second time I got a loan from them and payed it back when I got the first loan last year. The second loan which I am struggling paying back and is getting harrassed for is getting crazy. I will pay them back and even when I tell them I will they either hang up or get rude. They never let me explain my situations or they threaten to call someone on me that they are partnered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Consumer Reference # XXXX XX/XX/XXXX - I began the checking account ending in XXXX XX/XX/XXXX - Incident happened where 5/3 bank took a {$0.00} principle loss and closed my account due the contribution reason " Checking Account Fraud '' I am not sure what they encountered, but I believe that I was a victim of attempted fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Initiated several disputes to XXXXXXXX over a month ago and noted I had already filed a Federal Identity Theft report FTC Report Number XXXX on XX/XX/XXXX that put several accounts into dispute from back in Fall of XXXX thru early XXXX. Several of the disputed accounts were removed, but some that got a lame reply back that their records show the company that reported the information has certified to that the information is accurate. '' < That doesn't mean anything! Section 609 of the Fair Credit Reporting Act requires WRITTEN VERIFIABLE PROOF of ORIGINAL signed documentation is held by the Credit Reporting Agency - which is impossible as the accounts in dispute were either fraudulent or had fraudulent charges placed onto them from the Identity Theft! Then they lowered my credit score by over 50 points because I'm trying to challenge these!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Between XXXX XXXX  XXXX and XXXX XX/XX/XXXX, I received sign-up bonuses from CitiBank for various promotions related to the AAdvantage Platinum Select card product. The details of these bonuses are shown on attachment ( 01 ), with additional attachments ( 02-13 ) showing statements with CitiBank and XXXX XXXX awarding each of the bonuses as a result of completing the terms of the promotion. 

On XXXX XX/XX/XXXX, CitiBank 's co-branded partner XXXX XXXX terminated my AAdvantage account XXXX, confiscated XXXX AAdvantage miles ( including the miles awarded per the above schedule ), and cancelled three existing flight itineraries ( see attachment 16 ). The reason given in a follow-up email on XXXX XX/XX/XXXX indicated that the sign-up bonuses were obtained fraudulently : " The investigation determined your involvement in multiple violations of the General AAdvantage Program Conditions. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. These restrictions are outlined in the promotional bonus terms, and at the top of each application page. '' It is false that restrictions of this kind existed during the time that I applied for the cards which awarded these bonuses. See attached document ( 14 ) for an example of the application page presented, which clearly show that no such restrictions were included. 

For each card I applied for, Citi vetted and approved my application. By doing so, Citi confirmed that the applications, if approved, met all banking requirements and all requirements of Citi and XXXX XXXX. In each case where a sign-up bonus was received, Citi agreed that cardholder had met the spend requirements stated in the offer terms to receive the bonus, and Citi and XXXX XXXX issued the bonus AAdvantage miles in accordance with the terms of the offer. 

It is deceptive and unfair for CitiBank to present and advertise awards which are then rescinded by their co-branded partner, making them unusable and their advertised value worthless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: MD

Complaint narrative:
In XXXX my credit from experian dropped 17  points. I have never been late on my XXXX XXXX Card. I paid my bill early and it showed that my balance decreased which is what happens when you pay off your debt early. I disputed this and nothing happened.

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Based on the FICO info I access thru my XXXX account on last XXXX I had XXXX of my credit score and having an average from XXXX to XXXX from last XX/XX/XXXX no late payments at all, no problems with any bank or mortgage. 
Why Experian decrease 56 points having now XXXX, after paid off and close 2 of my accounts on last XXXX and XX/XX/XXXX?? 

XXXX XXXX {$68000.00} paid in full on last XX/XX/XXXX no late payments at all. 
XXXX XXXX XXXX {$18000.00} paid in full no late payments at 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 non-monetary relief