vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have a issue with Transunion 's credit reporting as their investigations have not fixed errors on my report yet. I believe Transunion is taking their sweet time only to then not fix my report from the errors. Im a big victim of I.D THEFT, i've had issues in the past with fraud accounts on my report due to a incident in the past and all 3 bureaus fixed the errors quick fast in a timely manner pursuant to FCRA 605B law. But for some odd reason now, these accounts that are fraudulent are still lingering on my report even after an appropriate time frame for Transunion to have removed them by now. Whats going on? I need this handled as its affecting my livelihood, smh I WENT AND GOT A NOTARY FOR PROOF IT IS ME DIRECTING THIS DISPUTE AND INVESTIGATION THAT YALL MUST NOW HANDLE! 

Please do your jobs and block these fraud accounts i have listed on both the extra sheet and FTC affidavit

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 2020-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Northern Trust Company, The
State: IL

Complaint narrative:
XXXX XXXX XXXX closed my mother 's accounts and has not appropriately sent her the money or made them available via the escheatment process. The funds should never have been escheated. Northern Trust was calling me to obtain personal information. Due to potential fraud my daughters have advised her to never answer personal questions and to ask for everything in writing. They did not send a letter until XX/XX/2020 and said they were escheating my funds on XX/XX/XXXX. By the time I received this I had only XXXX business days to respond and I do not feel comfortable responding - my daughters take care of all my bills. By the time we could call they said it was too late and they escheated the funds. They have been unable to show that they followed the proper escheatment process. It has been months and the money is not on our State Treasurer unclaimed funds. Please note this was all pre-COVID. They are being extremely difficult - customer service is not giving us answers and say they will call but they do not follow through. Their treatment of a senior citizen is shameful. I would be wary of investing with them, it is not an ethical organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a which was highly embarrassing and has negatively impacted my lifestyle.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Denied credit without good grounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Vital Solutions, Inc.
State: NY

Complaint narrative:
Today XX/XX/2020 I have reviewed my credit and found that XXXX XXXX reflects a balance due of {$1200.00} although I had settled this account back on XX/XX/2020. XXXX hired Vital Recovery Services , LLC and we settled this debt on XX/XX/2020 at {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from THE HOME DEPOT - Citicard services telling me that they're reducing the limit on my credit card from {$5000.00} to {$500.00} because my balances on my other credit cards on my credit report are reporting to high. My credit balance for my HOME DEPOT CARD is at XXXX, was a XXXX and usually stays at XXXX. I hardly ever use the card and always pay it off quickly, so I don't understand why they would reduce my limit based on my history with them.. I've been a customer since 2016 and have never made not one late payment. I would like to for them increase my limit back up to {$5000.00} without me having to get another inquiry on my report.

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 2020-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX XXXX OVER 56 days ) VIOLATION # 1 they fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX XXXX ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
Keep getting a statement from a company named Barclays Financing Visa Card for a purchase of {$210.00} from a XXXX XXXX XXXX XXXX on XX/XX/2020 from an account with them ending in XXXX. I only am given the last four digits of this account. Now they have supposedly issued a replacement card that I also never received and are holding me responsible for the entire balance of this credit card account that I do not possess. No, I don't think so Barclays. You can NOT allow this to happen to a UNITED STATES citizen. You WILL answer to someone. I promise!! 

RE : Case # XXXX, 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 2020-07-30 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-30 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I have held a debt with a financial company ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Toll-Free ( XXXX ) XXXX, www.phoenixfinancialsvcs.com, XXXX ). On one call they verbally harassed me calling me an " XXXX ''. They have also called at least over ten if not fifteen times asking for someone named XXXX. After verbal altercations with this company I started receiving more unusual calls and texts even after midnight. I also believe they have distributed my information to other telemarketers and companies such as an " auto insurance '' company that has not disclosed their actual company name to me after repeatedly asking for their company name to live Representatives. I have provided my insurance information to settle the debt and registered with the do not call registry, but repeated calls and texts continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent the collection agency on several occasions my Identity Theft Report, including police report, FTC Fraud Affidavit and my statement. I have also explained I was in federal prison the past 10 years while this account was opened in my name. They refuse to accept this and instead say that the FTC Fraud Affidavit doesn't contain the full account number. I DON'T KNOW IT!! The name of the creditor is right, the exact dollar amount. They just want to play games. They are in clear violation of the FDCPA and the Rosenthal Act in CA. They are trying to collect on a debt they know is ID Theft and is not mine. They are also trying to make me have to notarize additional documents that are NOT required under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX ATTN : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Experian 's National Consumer Assistance Center XXXX XXXX  XXXX XXXX, TX XXXX REF : Report Number : XXXX I am writing to dispute the following data in my credit file. I have listed all errors below. It is a letter meant to bring unnoticed mistakes to Experian 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with Experian Consumer Portals! These kinds of companies are probably responsible for different breaches at Experian. 

My credit file was a breach was years ago. I completed all the appropriate steps. Experian stubbornly refuses to do a debt validation. They pretend to do the investigation and have a turnaround time of 24-48 hours, which is a false sense of hope. Then deny my dispute. Really? I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to them all over sixty days ago. Please delete these items as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 

Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Experian not take their knee off the necks of XXXX Americans, particularly my neck? I am begging to have these errors removed and why you all will not let me breathe? It is XXXX motivated. 
Could you all show XXXX 's kindness to a Veteran who risked his life fighting for a country I love dearly? 


Experian could make this right in a matter of minutes. 
XXXX XXXX XXXX, et al. 
XXXX XXXX XXXX XXXX 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 2020-07-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
The Bank is denied knowing of the remedy for resolution but was well aware but took advantage of an elderly XXXX woman court documents showing that they were aware and choose to deceive me in their actions of removing my name from title and said that there was a mistake made and they would recind the sale and proceed with discussed resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted/signature received ( USPS #  XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX XXXX XXXX 
# 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 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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