vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: TX

Complaint narrative:
I have sent all 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, TransUnion, XXXX, and XXXX  are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have no idea who or what this account is, I've never gotten any type of contact from them. I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of May. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue XXXX and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XXXX of 2020 my work was seriously impacted by the corona virus.I always made some sort of payment but was having a hard time as work was cut in half and my children were no longer in school. I feel these things should be taken into consideration and know that as soon as work picked up I was right back out there and making more than needed payments.

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 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied for a CareCredit card from Synchrony Bank with a XXXX limit in XXXX and borrowed XXXX with a promotional offer that said no interest if paid off in 6 months. I paid it off in XXXX several week in advance of 6 months. however my account shows XXXX of accrued interest. When i called to complain they indicated promotion was only for the first {$500.00} borrowed and i was required to pay the interest. This was extremely deceptive. The only reason i used this card was for the promotional offer. Spoke with Supervisor XXXX employee ID XXXX who indicated there was nothing they could 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 monetary relief
Consumer complaint received 2021-07-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity XXXX and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed XXXX  the Police report and called disputed numerous times and nothing has been done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed EXPERIAN the Police report and called disputed numerous times and nothing has been done!

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 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been in a never ending battle with a simple transfer of {$1400.00} from my checking account to a friend via Venmo since XX/XX/XXXX. Venmo has withdrawn the funds from my account and noted the transfer is under investigation ; and the investigation will take 48hours. It's now 144hours ( 6 days, almost a week ) and counting. I have yet to see either a resolution or my money back into my checking account or officially transfered to my friend.

I have sent Venmo emails and called them numerous times, I have yet to reach a resolution or be able to speak with their investigation/accounts department, ( since they can't be reached via call ).

I believe this has been dragging far too long, I now regret using Venmo and wish to obtain my money back ; but, their customer service continues to tell me, they're unable to cancel, refund the funds or do anything at this point, but to escalate the matter. I notified customer service I have escalated this matter numerous times ; I just need my money back NOW! 

I look forward to hearing from you in resolving this issue with Venmo. 

XXXX, XXXX ( aka XXXX  ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My Credit Card and Loan became delinquent when I lost my unemployment benefits. Navy Federal Credit Union took all of my money from my Checking account to pay to the Credit Card and Loan without my authorization leaving me with a XXXX balance. I had this problem around XXXX with the account that is now a Loan, which was reviously a closed Overdraft Protection account. Navy Federala Credit Union told me at that time if I converted the account from a Overdraft Protection account to a Loan, I would not have the problem of them coming in and depleating the money in my Checking account to pay the Loan or Credit Card.I did not authorize the payment, did not have automatic re-occuring payments, and asked Navy Federal to put the money ( {$250.00} ) back into my Checking account which they refused to do. They told me they had a " Security Interest '' in my Checking and Savings Accounts that allowed them to go in and deplete my funds when my Credit Card or Loan becames delinquent. I asked to close my Checking and Savings, and they refused to close the Savings so that if any further money was deposited into my accounts they could take it to satasfy my delinquent Loan and Credit Card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: RateGenius Loan Services Inc
State: TX

Complaint narrative:
So I saw an ad that they could lower my interest rate. 

Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another Peoples Trust.

I try calling Rate Genius and they say to call the banks and then the banks say to call Rate Genius. Then Rate Genius said to call XXXX. XXXX  said to call Rate Genius and I explained to them I have and they advised I call you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I started a new employer and set up direct deposit into my account on XXXX XXXX I received a paper check instead of direct deposit is it was the first one going into the account the bank proceeded to put an extended hold on my payroll and would not allow access or verify that the check had cleared which in turn overdrew my water bill charging me another {$70.00} in fees and I also was not able to open another bank account elsewhere because Ally Bank have done multiple inquiries on my XXXX XXXX report which are repetitive senseless and on authorized by me which is preventing me from moving my relationship from them I have been a long-time customer they stated this was due to previous overdraft which my account was not negative when this deposit went in there was zero risk as I do not have overdraft on honor, and it does not take over six days to clear a check electronically in todays day and age I have 16 years XXXX experience and XXXX in a corporate setting Im not sure why they failed to see the pre-note coming into the account from my new employer to verify indeed this was a payroll check their customer service has been horrible I have been penalized and charged for senseless reasons and I want reimbursed for these excessive fees that I was charged in this regard I want all their inquiries removed from my XXXX XXXX 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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021 I was charged {$1200.00} by XXXX that I did not do or authorize. I haven't purchased anything. My XXXX account has been closed for a while now. I contacted Bank Of America and they denied my dispute for some reason.

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 2021-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with this for months they was suppose to remove inquiries that I do not have I ask multiple times to be removed. They say my documents are not readable they have came with many excuses just like there systems down. They could not verify these inquiries when ask or the dates or what information was given. I have ask why is it there when I have a freeze no answer. Now I was force from getting a house because these disputes never resolved and it affected my credit report. This is my worse experience with any company. They have fail to deliver with the worst customer service or care in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted the credit bureaus on XX/XX/21 regarding existing disputes from my client. Our client was ready to buy a house, so I proceeded to ask all three credit bureaus to remove all disputes. The credit bureaus told us that they would be removed after 3 days. XXXX  and XXXX  did remove the " dispute '' status, however, Equifax did not. On XX/XX/21 I decided to follow up with Equifax, and they said the same thing, " it would take 3 days ''. On XX/XX/21 my client 's lender tried to get him approved but the disputes from Equifax were still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Account Name : ONEMAIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: MO

Complaint narrative:
THIS IS XXXX XXXX! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I ALSO FILED A COMPLAINT ON XX/XX/2021 COMPLIANT # XXXX. I AM NOT SURE WHY YOU HAVE STATED I AM NOT WHO I SAY I AM AND THAT I HAVE AN AUTHORIZED THIRD PARTY WORKING ON MY BEHALF. 

AGAIN, I AM XXXX XXXX THE NATURAL PERSON SUBMITTING THIS ON MY OWN BEHALF. I AM AWARE THIS IS A STALL TACTIC BEING USED TO PREVENT YOU ( XXXX, EQUIFAX & XXXX  ) FROM DOING YOUR JOB! I WILL BE USING ALL RESPONSES AND COMMUNICATION REGARDING THE MATTER AS ADMISSIBLE EVIDENCE IN ANY MATTER REGARDING THESE ACCOUNTS. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. As of today I have not received a response yet. I feel I'm being taken advantage of and being ignored in regard to my disputes. As I stated before this has been an ongoing struggle for almost 1 year with trying to get the bureaus ( XXXX, EQUIFAX & XXXX  ) to investigate the inaccurate and unknown items on my credit report even after I have sent validating information to support my dispute. I never gave you ( XXXX, EQUIFAX & XXXX  ) authorization to add anything on my report nor did I give any creditor authorization to give ( XXXX, EQUIFAX & XXXX  ) anything to add to my credit report and I want these items removed immediately! These are illegal and unlawful accounts on my credit report, I already sent all my identification needed for authorization. 

I demand these accounts be removed immediately for violation of my right to privacy Fair Credit Reporting Act 15 United States Code 1681b ( 2 ) and you did not have have permissible purpose to furnish this information on my consumer report ; and violation for Fair Credit Reporting Act 15 United States Code 1681i Procedure in case of disputed accuracy ; If this is not removed immediately I will file for litigation due to the stress you have caused me and contact Attorney General office to make a Compliant, as well as Federal Trade Commission and the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
I received part of the loan. I received {$2300.00} out of {$3000.00}. Was told that's just the way it is. I said to take the money back and they refused. This was on XX/XX/2021. It's been an on going feud since then. They call with harassing phone calls saying hey XXXX payments due. They refuse to send me the loan documents. They lied to the XXXX Attorney Generals office about the situation and it just keeps getting worse. They are harassing me and still won't show any paperwork validating the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Siggi LLC
State: NV

Complaint narrative:
The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by XXXX days then twice as late by 60-89 days late. I had paid on this loan within the XXXX day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XX/XX/XXXX-XX/XX/XXXXas late for all three months, thus prompting me to believe this was in retribution. I paid this on this account XXXX  XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XX/XX/XXXXand XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XX/XX/XXXXand now, XX/XX/XXXX. I paid off my loan in full and closed the account during XX/XX/XXXX; my new loan was just establishedXX/XX/XXXX and was absolutely current for XX/XX/XXXX. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have sent dispute letters to XXXX XXXX, and XXXX  and the investigation took well over 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 2021-07-23 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:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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