vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
I am a victim of identity theft I have multiple inquiries that total up to 8 inquiries on my report that are hurting my score and putting my chances down to fund myself to expand my XXXX  for me and my family. These inquiries are fraud and I feel unprotected as a consumer. My information was leaked in a data breach which has made my personal information very vulnerable. Multiple inquiries from XXXX to XXXX are fraud. Please protect me from these criminals that try to violate the system and take what isn't theres. I did some research and I see that according to the FCRA all fraud inquiries that are reported must be blocked and remove with 4 days. These inquires have to be resolved. Im attaching the FTC report with the dates and times to specify what needs to be removed. These accounts are fraud. I will also be providing proof of my government registered id registered to PA which is my license and a proof of address. 

Protect your consumers God Bless

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 2021-07-27 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:
The consumer reporting agency is violating my consumer rights under 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

There are multiple federal violations that the consumer reporting agency are knowingly violating. I have previous notified them of these violations through CFPB. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I hold the consumer reporting agency civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and affidavit of truth that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
I wrote the three credit bureausXXXX XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my report. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX  1ST-Date of inquiry XX/XX/2020

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have met and connected to XXXX XXXX  options people via Social media, they contacted me and gave the promotion to the business. At one point, I decided to do an investment with a very small amount and showed the profit as very large for a two -week trade. To get the Profit only scammed because i am non XXXX XXXX  and am not aware of these trading process in US before, to get the Profit, they are asking me to pay the Money for Tax, IRS, FBI, IBPC, Treasury, Late fees and all in legal terms. To avoid anything to my Visa I have paid requested Money. Later myself able to find one of contacted Person contact info on Scam case and that phone number blocked my contact as well. Then i have contacted the FTC to file a compliant and working with Bank on my claims, which never i received any positive feed back yet. 

As am here to Work on US to full fill my dream of building an Home back in XXXX XXXX. I have been counting each dollar and that investment promotion gave me some greedy mind to reach to my dream earliest as it was all legal. After that lost of this much amount of money, i have struggled mentally as i can not shared the story to any one of my friends or family members. Lost of money affected my XXXX  XXXX expenses, i have to take loans to meet some of my expenditure. It was affected badly interims of Money, health, happiness in my life, it is painful chapter and i pleaded to get a light to remove the pain. I would not do anything like in future and i will try to prevent the people who am aware of this, if they try to do.

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 2021-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Earm LLC
State: PA

Complaint narrative:
I am being harassed by people who claim to represent company called MAC. I think that they are a payday loan company but I am not certain. At any rate, any payday " debt '' I had was settled long ago ... probably in excess of 10 years. and recently, I have received numerous repeated calls claiming " time sensitive '' information that MUST be responded to asap before serious legal proceedings begin, etc etc.

The calls have come daily for the last 2 weeks. I told them not to bother me any longer or I would report them for harassment, at which time I was insulted and threatened further.

Mr. XXXX at MAC, altho the name is likely fake. The calls emanate from XXXX and I am asked to return the calls at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: NY

Complaint narrative:
This debt was a result of identity theft but I was unable to dispute it as both XXXX  and XXXX  verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I have a fraud alert and their security Team refuses to call Me and clear it my app is pending approval but they dont care to call me and take care of it its a simple verification process their giving me such a hard time what a horrible experience company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX I disputed a {$2100.00} collection, I requested that the debt be validated in that request.

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 2021-07-27 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: LJ Ross Associates
State: GA

Complaint narrative:
On XX/XX/2021 I checked my credit report and found erroneous information that indicated I hadnt paid an account that I didnt authorize to be opened in my name. I am making a police report today and id like this account investigated and removed from my credit profile. The account hit my credit on XX/XX/2021

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In this year of XXXX the month of XXXX has been filled with, fraud and scam within the BB & T financial institution. Back on XX/XX/XXXX I was approved and received a loan in the amount of XXXX. The money posted on a Saturday morning so therefore the more rightful thing to me was to wait until that following Monday to withdraw an decent amount in order to handle my payroll and supplies for XXXX. I also was involved in a car accident which resulted in me receiving an settlement check from the company XXXX in the amount of {$2300.00} receipt are on record. I deposited my settlement check that Sunday XX/XX/XXXX. XX/XX/XXXX I proceeded to go into my local branch to make a withdrawal and was told I could not due to my account being blocked, they also placed a {$100.00} hold on my settlement check reducing its amount to now {$2200.00}. XX/XX/XXXX BB & T proceeds to tell me they could not release my funds to me unless I could produce paperwork stating my XXXX  pertaining to XXXX. After producing my EIN, Reservations and bank statements I was still denied my funds and was told the loan was reversed. After contacting the Lender XXXX XXXX no confirmation was received that the loan was sent back and nothing was reported unto SBA to clear my name. I still have no answers as todays date XX/XX/XXXX and Im also in debt having to pay {$20000.00} to the Small Business Administration starting XXXX of 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 2021-07-27 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: SC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: NY

Complaint narrative:
This debt was a result of identity theft but I was unable to dispute it as both XXXX  and XXXX  verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This madness has been going on a while with this bank! Constant fraud alerts text to me, having to file claims for transactions, they apply debits and credits knowing when I get DD and when I dont whenever they want, they charge me fees for their error, then credit me the fee. After that if I ask for a credit for a fee Im told I have to many credits for fees. It is constant double talk and doing what they want with my account. Today I see I am being charged for ATM cash withdrawal and a fee for that. How did I withdraw the cash if it wasnt there? A supervisor XXXX told me they will let me withdraw money at their discretion. I asked her three times, she said the same thing. Still does not make sense. I also see a charge for a lawyer service today. I explained to XXXX I have a receipt from the merchant that it was paid XX/XX/21 today is the XXXX. She said that transaction was never on hold or shown to transact. I reminded her of the receipt. She said she didnt know why. She reminded me that I have to pay these charges. Something is fishy here. Always has been with this bank. Now Im faced with over {$400.00} in charges that have to be cleared by XXXX XXXX  tonight or I will get more fees. Something is not right can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Well, this have been an issue for years XX/XX/XXXX. I was sent an Threatened email saying there is an lawsuit case # XXXX. Total amount owed is : {$860.00} and the settlement amount is : {$290.00} that was filed against me by Ace Cash XXXX /XXXX  XXXX XXXX XXXX XXXX . This debt was originally a debt due to ID Theft because they had another name attached to this loan even though some of my personal info included SSN was included ; yet since then, I did file for Ch XXXX bankruptcy on XXXX of XXXX and it was charged XX/XX/XXXX. Which I do have a copyof the Ch XXXX Bankruptcy being discharged from a Federal Bankruptcy court in XXXX, Texas by U.S. Federal BankruptcyJudge, Judge XXXX XXXX XXXX. Bankruptcy case # XXXX. Wo this loan debt is no longer owed and I have repeatedly contacted XXXX XXXX and XXXX XXXX and it is also to resolved this issue and I have even put in a previous Financial Consumer protection complaint against this same company. I do not have the reference number yet it should be on record and thus is my third complaint against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
This complaint is against Nicholas financial. This vehicle is attach to account # XXXX. This account was involved in an accident and paid for by gap insurance. So imagine my surprise to see that this company is reporting this as a voluntary repo to all three bureaus. Im requesting a removal Of this account from my credit report. According to fcra information must. Reported with 100 % but this isnt accurate help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Xtreme Products LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I booked a room on XX/XX/XXXX with my webster checking debit card. On that same day I canceled and it was explained to me by the vendor that I would not incur any fees for canceling since it was same day. I did incur a {$12.00} cancelation fee which I disputed with Webster Bank. I was instructed on XX/XX/XXXX by XXXX at Webster customer service to send an email to XXXX requesting to dispute this charge as I did not consent to it. On XX/XX/XXXX I sent another email for a follow up and just recently on last week. I did not consent to this charge and my banking institution is follow up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
I have sent FOUR LETTERS previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: AL

Complaint narrative:
On XX/XX/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.

Company response to consumer: Closed with explanation