vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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 HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  has charged off on my account under false pretenses without my knowledge therefore that is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I manage a travel agency and I use my CITI credit card for air tickets booking. During the past few months, due to the impact of the coronavirus, hundreds of tickets were cancelled and the money went back to my CITI credit card. But Citi bank has made it so difficult to refund the money to my checking account. 
Last month when the total money they owed me became as much as {$200000.00} USD I had to file a complaint with this same office and they eventually contacted me on XX/XX/2020, and issued the refund a few days later. 
Today, the money they owed me reached {$33000.00} and after I contacted CITI I was told my request for a refund was declined because of open disputes. This doesn't make any sense? I am very dissatisfied with the way I am treated and demand whatever CITI owes me to be refunded asap. I will make complaints to all places possible. if this isn't resolved in a timely manner.

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 2020-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 16 inquiries on my credit report that I have no knowledge nor gave my consent to pull my credit Thank You 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 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020, Paypal restricted my account and prevented funds from being transferred to another person to purchase an item. Initially Paypal indicated this was a random action and it only applied to the individual transaction. Then a day later I received an additional email stating that it applies to the entire account and conducting any other transaction could result in account closure. The account is in good standing. Based on the changing restrictions on the account, it appeared as if something was done illegally. I filled out the request to unlock my account. 

On XX/XX/2020, I reached out to customer support to see why it was restricted. I chatted with " XXXX '' who initially ignored my request for information. A second attempt to get the representative to READ was not met with success either. I asked what federal regulation was allegedly violated or paypal policy. At this point XXXX replied it was to keep me and paypal safe. Now I have received three different answers for why the account is restricted. I then requested an email copy of the chat transcript. I was told that ending the chat would give an option to email it. That was false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC
State: TX

Complaint narrative:
I purchased a loan from XXXX XXXX XXXX who later went out of business and transferred the loans to Car Finance Services. All the money I had paid XXXX XXXX  was not credited to my account. It's as though they stole the money. Now Car Finance Services is showing past due and none of the money I paid is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: CA

Complaint narrative:
I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-06 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX  BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-06 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: MD

Complaint narrative:
On XX/XX/2020, I sent via certified mail ( which was received and signed for on XX/XX/2020 ) to dispute the accuracy, compliance and reportability of the listing of a public record appearing on my report " US BKPT CT PA XXXX. '' I formally requested that Experian provide me with any and all documents bearing my signature as proof that this record belongs to me, and also in a subsequent letter sent on XX/XX/2020, I requested proof of their method of verification and all related documents. To date, they have replied to all letters stating that they verified with the data furnisher that this information is accurate, claiming that they " verified '' this information via XXXX XXXX ; however, they have NOT indicated on my credit report that this specific item is being disputed by me ( which is a direct violation of FCRA ), nor have they furnished any documents from their supposed reporting source, XXXX XXXX, which I am entitled to by law, as proof that they have " verified '' this supposed public record. 

My complaint here is about direct violations of FCRA on the part of experian for not accurately reporting within 30 days of the receipt of my initial letter on XX/XX/XXXX, that I am disputing this item. In addition my complaint is about a direct violation under FCRA on behalf of Experian for not furnishing me with the proof which I am entitled to, as proof that XXXX XXXX has indeed " verified '' this record.

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 2020-05-06 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
In 2017 I received notice from rentdebt automated collections that I had a balance of {$6200.00} from a XXXX XXXX XXXX, my previous residence. The information was not correct according to the management company of XXXX XXXX. Unfortunately the property of XXXX XXXX has been acquired by a new management company and there are no records of this debt. I want this item removed because it is not correct and the company refuses and uses scare tactics to recieve payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC

Complaint narrative:
I went through a divorce and my x husband was awarded the property and was to refinance and he did not. I had to file chapter XXXX bankruptcy and it was final XX/XX/XXXX. They were sent the information by the courts and didn't not remove my name off the mortgage as it was listed in the bankruptcy papers. I have called many times and they told me to send in paperwork. XX/XX/XXXX again called and the woman that I talked to says that they will not remove my name off the mortgage as its not in bankruptcy or foreclosure anymore. I tried to explain and she put me on hold and hung up on me. Can you please help me as this is a big debt and keeps me from being able to build my credit up. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have called for 3 months on getting these hard inquiries removed for my credit report on transunion/XXXX XXXX/ XXXX/XXXXXXXX XXXX : They keep stating that they have not received anything from ( XXXX XXXX XXXX ), or XXXX states they have sent an Electronic Deletion request to Transunion/ or they do not see any accounts with my name. It is wrong to keep giving the run around on hard working American Citizens that work for a good life. Please correct this and take it off my report. Transunion and XXXX/XXXX  need to have some type of responsibility to their short comings on customers credit/ lively hood. 

I spoke with ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ... 

XXXX ID # XXXX today XX/XX/XXXX and she said she is sending a letter or electronic letter of deletion to Transunion. 

Have transunion/XXXX XXXX/ XXXX/XXXX/XXXX XXXX  Send me a letter of Deletion and Delete the following Fraudulent Hard Inquiries : XXXX  ( XXXX XXXX XXXX airlines/ travel entertainment ) XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX XXXX   Via XXXX  ( XXXX/XXXX  ) XXXX XXXX XXXX XXXX MD XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
hello, i noticed there were wrong addresses that are not mine on my credit report which could affect my future.

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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
hello, i noticed there were wrong addresses that are not mine on my credit report which could affect my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello, i noticed there were wrong names, hard inquires, and addresses on my credit report. i would like it to be remove as to not harm my future credit worthiness.

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 2020-05-06 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: FL

Complaint narrative:
I went through my Experian and I did not authorize the inquires stated in the letter I submitted and this is in direct violation of the Fair Credit reporting Act.

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 2020-05-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my Transunion and XXXX  reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.

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 2020-05-06 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: CA

Complaint narrative:
I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.

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 2020-05-06 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: CA

Complaint narrative:
I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.

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 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
The company is One Main Financial, XXXX XXXX, CA. I got an loan and fell back in the payments. Due to death in family and the loss of wages. I receive up to 5 or 6 calls aday. They are harassing me. Remodifing/Refinancing my loan and extra additional interest fees/ charges. I always a month behind. It is causing me great stress to catch up. The calls are too much to handle. Please assist me on what to do. They are putting a {$260.00} payment on my debit card on the XXXX of XXXX. I needed this money for my household expenses. They wouldn't even defer any payments FOR THREE MONTHS, OR until this COVID-19 pandemic is over. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
SECOND complaint about the SAME ISSUE!!! 
XXXX XXXX XXXX - XXXX XXXX XXXX  with PayPal Credit. - Issue NOT resolved!! 

Every month I have to call PayPal credit because there is an error with my account. XXXX 's statements showed I owed {$2400.00}. The correct amount owed was {$23000.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that WAS NOT PROPERLY credited to my account per a Paypal credit representative that I spoke with on the phone. The Easy Payment, payment due is approximately {$130.00} a month, yet I had to make a payment of {$140.00} due to the additional {$170.00} showing as owing on this account. 
Now on XXXX 's Statement, it shows I owe {$2300.00} and that I am now being charged interested!!! Which yes has been credited to my account. The CORRECT balance owed is {$2100.00}, now a difference of {$150.00}. Again, payment must be made of {$140.00}, which is HIGHER than I should be paying as the ONLY charges on the account are the two EASY PAYMENT charges!!!

While my first complaint shows as the issue was resolved it was NOT. THEY LIED TO YOU!!! They only credited me the interest charge - THEY HAVE NOT FIXED THE ISSUE OF THE {$170.00}!!!!

As I have stated before, you should investigate every single account held by Paypal credit as I can only imagine how other people 's accounts must look if they can not even keep mine correct!!! 
EVERY MONTH I HAVE TO CALL BECAUSE SOMETHING IS WRONG!!!

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 monetary relief