vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I received my Prosper credit card through XXXX XXXX bank a year ago. In that time, I used it once. I can not tell you the amount bc I'm unsure how much my purchase was for at this time. As I do every month, I went to pay 50 % of my bill on the first of the month, I clear the balance by the XXXX of the month. 

However, after multiple attempts to sign into their online app, it would not let me in. Let me add that I am not a casual user of tech application. I am extremely well versed. I finally called the company and this is where the problem started. Customer Service representative ( who was very nice ) let me know the last 4 digits of my social were " wrong ''. I am XXXX years old and have been writing my ss # since the dawn of time. Fine, maybe they keyed it in wrong. How do we resolve? 

I was asked to send a copy of my social security card, which I did, to an address I was given. I did that and waited. I gave it a few weeks ( 3 ) and retried the app. Didn't work. I tried to phone in my payment. Didn't work. Why? They never fixed the problem. I did what I was asked, they did not. 

I called back today, XX/XX/2022 when I noticed a HUGE dip in my credit score. They did not freeze the account prior to fixing the error. They have been compiling late fees and interest on the balance I've been trying to pay for months. I asked to speak to a supervisor as another call center employee ( XXXX, XXXX... another very lovely person ) gave me the exact same " solution ''. ( NOT her fault ). Both supervisors were on the phone with other customers, but I should get a call back. No one received my postal mail with my social floating around so I'm very reticent to mail a check. 

Upon doing some research, I see I'm far from the only person to have this or a very similar issue with XXXX XXXX bank and their products. 

I have not made late payments to ANY other cc account l have. I am in the midst of trying to purchase my FIRST, very own home. Their lack of diligence is now affecting my ability to get a mortgage. I am literally trying to pay them in FULL and want them to close the account for good like I requested months ago. 

This bank is running fraud games, manipulating consumers with predatory practices.

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 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

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 non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during the covid 19

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 2022-05-23 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: PA

Complaint narrative:
I am writing to delete the following information on my credit file. The items I need deleted are listed below. All of these inquiries were unauthorized. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX  Inquiry Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 2022

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 2022-05-23 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: DISCOVER BANK
State: FL

Complaint narrative:
I initiated a cash transfer to my XXXX XXXX XXXX XXXX ( XXXX ) Visa Account for {$8200.00} on XXXX XXXX from my Discover Credit Card. 
XXXX had not received the payment as XX/XX/2022, and the balance of {$8200.00} was showing on both cards. 
I called Discover and XXXX in a XXXX way call. XXXX asked Discover to provide them with a trace ID as this was an electronic payment from Discover to XXXX. Discover was unable to provide me or XXXX with any proof of payment. Discover failed to connect me with a supervisor who could resolve the problem. 
Discover refused to remove the disputed charge from my credit card so I am now paying interest on both Discover and XXXX for this charge. It also affects my credit score. 
The Discover case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I took out an auto loan that was originally with XXXX compass 7 years ago. This was an auto-draft directly from my bank account the entire loan. My loan was then taken over by PNC Bank as the company took over XXXX. 

On the final loan payment PNC Bank decided to remove my auto-draft and did not contact me regarding this at all. They then reported my last loan payment as a missed payment on my credit report. I called their support and after it took them awhile to research, they told me the auto draft was stopped by PNC Bank because the last payment must be paid manually. They never tried informing me of this matter once. I paid it immediately over the phone on XXXX XXXX 2022, the same day I got notification on my credit report. 

I have never missed any payments on any line of credit in my life and this caused my credit score to drop from the 800 's to the 720 's. I am extremely unhappy with their service and makes no sense why they would believe that I would just not pay my last payment on the loan with 7 years of payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-23 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: MD

Complaint narrative:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXXXXXX reporting as charge-off XXXXXXXX XXXX XXXXCharged off as bad debt|Canceled by credit grantor XXXX XXXX XXXXREPORTING DEROGATORY XXXXXXXX XXXX XXXX XXXX-Derogatory XXXX XXXX XXXXXXXXPayment after charge off/collection|Paid profit and loss INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during the covid 19 phase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX, has violated my rights Account name : XXXX  XXXX XXXX  Account # : XXXX Subject : XXXX XXXX XXXX Account # : XXXX Dear Experian 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: VA

Complaint narrative:
My husband and I received a letter addressed to my father at our address. The letter, from Wilber & Associates, P.C., stated that " We are now handling this claim on behalf of XXXX XXXX XXXX XXXX Our client is seeking reimbursement from you as a result of the incident which occurred on the claim date listed below. Your cooperation is required to reach a complete resolution. The letter goes on with other paragraphs. At the bottom of the letter is the following information : Wilber File Number : XXXX Online Access Key : XXXX Claim Date : XXXX Client Claim Number : XXXX Claim Location : XXXX  XXXX, XXXX The problem is that my father, an XXXX year old man with XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX in XXXX XXXX, sold his home in XXXX XXXX, XXXX  in summer of XXXX. He moved from XXXX  XXXX in summer of XXXX. 

I also contacted XXXX XXXX and they have no record of any claim related to the address in question. 

When we called the Wilber toll free number, they were very aggressive and would not let us explain that it was not possible for the claim, related to a home, to relate to my father. the sale of thee home is public record. 

Please assist in advising Wilber and Associates to stop their harassment of my father and of us and to stop threatening to affect any of our credit scores, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: IN

Complaint narrative:
In XXXX of XXXX, I reported to XXXX that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.

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 2022-05-23 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: IN

Complaint narrative:
In XXXX of XXXX, I reported to Equifax that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX XXXX XXXX XXXXa and XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CUSTOMERS BANCORP, INC
State: NY

Complaint narrative:
I applied for the Paycheck Protection Program ( PPP ) back in Spring of 2021 through the XXXX website for {$19000.00} and my PPP loan number is XXXX. I did this with the knowledge that I had to apply for PPP Forgiveness within 10 months of me receiving this money. I have attempted various times to apply for PPP Forgiveness during that 10 month time frame by contacting Customers Bank via email which is XXXX and phone calls. Instead of being assisted, I have continuously been given the run around. 

Many of the Customers Bank customer service representatives have sent me numerous emails stating I should apply for forgiveness on my own through the SBA PPP Forgiveness portal. This has been the typical response every single time I have requested assistance in applying for PPP Forgiveness. When I attempt to apply for forgiveness in the SBA PPP portal, it states 'that my account is blocked by lender '. After speaking to an SBA PPP Forgiveness representative, I was informed that in order for me to apply for forgiveness, the lender has to lift the block out of the portal. Also I can not apply for PPP forgiveness through the different ways which includes through portal, directly, or through SBA Form 3508 unless the block is lifted. 

I have raised this issue to Customers Bank about removing the block that prevents me from applying for Forgiveness. I keep being told that I am not blocked and to continue attempting to apply for forgiveness through the SBA PPP portal. This still does not mean anything since I continue to be blocked from applying for forgiveness and am tired of this.

I only took this PPP loan because I was under the impression that I would be forgiven. I feel a sense of betrayal and dissatisfaction with all of this. I am even beginning to regret receiving this money because of the lack of assistance in this matter. The issue of me not applying for Forgiveness has hurt my ability to work because of the my constant need of meeting with my accountant in trying to resolve this matter. Also this has caused me tremendous stress knowing that I need to pay back my PPP because I can not afford to pay this. 

I kindly ask for CFPB to assist me in applying for forgiveness. 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 2022-05-23 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$23000.00}

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 non-monetary relief