vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: TX

Complaint narrative:
i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.

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 2022-01-27 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: TX

Complaint narrative:
i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX Bank in XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX Bank is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, Transunion and XXXX credit profile and being reported to credit services who profit of old information.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
Capital OneXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 
Capital OneXXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, XXXX and XXXX credit profile and being reported to credit services who profit of old information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo fails to honor any debit purchases because of illegal identity requirements and blocking Debit card usage! The Pin is NOT enough for Wells Fargo to process a transaction! They wrongly withhold or block my purchases stating they need further verification above and beyond pin to make a purchase! That is incredibly stupid and corrupt! The pin IS WHAT Identifies the cardholder is the account holder! They do this intentionally to illegally freeze funds in an account and improve their asset allocations and standings! They refuse account holders their rights to their own money and force situations into day and week-long struggles that improve their superficial outlook and is really fraud! Wells Fargo Executives are corrupt and design ways to gain from account holder 's assets against their will! They are criminal and you have knowingly let it continue after thousands of reports have been filed against them! The FTC is a BIG part of the problem! YOU need to take action or report to law enforcement agencies that can and will take action against these crooks that call themselves a bank! Get the FBI or whoever you need to arrest these criminal executives and put them behind bars! Millions of Americans are wrongfully, and intentionally led to great loss by this institution, and it is time you held account holders with a greater regard than the corrupt banker! Wells Fargo does not abide by law! It is time to start arresting them like you would a bank robber! The bank is the robber in their situation!

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
hi, paypal blocked my account without any reason. 
i have balance in my account and i made purchase with my debit card. 
now i received a email that my account was permanent close and my money is hold again for 180 days. 
i never had any dispute or chargeback in my account, and now i cant use this account but i need my money. 

PayPal. ( Id. de XXXX my emaill XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2021 i was victim of a fraud where i tried to reach out XXXX customer service and ended up calling a spoofed number XXXX XXXX XXXX that presented to me as XXXX but it was a fraudsters call center. They also gave me the number XXXX XXXX XXXX. 

I asked that i wanted to process a return and they induced me to use XXXX setting up a recipient on my XXXX account to emails below : XXXX XXXX I ended up sending {$1300.00} to XXXX with transaction number XXXX. I have a police investigator working this issue ( Police report : XXXX ) and requested XXXX to provide the recipient bank that resulted to be Regions bank in Alabama. Police is asking now Regions bank to give details of the account owner that received the funds and we request to have the funds returned because they are fraudsters and they are stealing money from people.

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lending Club Corp
State: AZ

Complaint narrative:
Lending Club Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Lending Club bank gave me no notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( XXXX ). I am the consumer and the only one that can validated my obligation to any alleged debt pursuant to 15 USC 1692g. I have request that Lending Club Bank cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I also request that the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I was in the market for a mattress and I came across and offer to use affirm to purchase it. I then filled out the application online and it told me I already had an account. I contacted affirm and the confirmed the email address and the debit card being used to make the payments before the default of payments is not mines. Then after their investigation they came back and told me I'm still liable for the payments of something I didn't receive and have no knowledge of. I've contacted the company several times, filled out police report and their identity theft/fraud form.I still have gotten no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I requested XXXX XXXX to be canceled XX/XX/XXXX. I had {$0.00} balance on my account. I moved and kept equipment to possibly reactivate service at new address. Apartment management said no equipment can be attached to the building. It took several months to get the response from apartment management. I was contacted by XXXX XXXX XXXX by mail and phone. We discussed the amount owed and that it is for the equipment I had not returned. I returned all equipment XX/XX/XXXX. I still received statements through USPS requesting I pay the account balance for the equipment. I contacted XXXX several times telling them I had returned all eequipment.I emailed copies of the returned equipment shipment invoice. The charge still wasn't removed from my account. I spoke to several customer service agents and I was told by one agent that the equipment has been received but not entered into my account file. The agent assured me that the account would be updated and the balance would be removed. I received another phone call from XXXX again requesting me to pay the amount due and that it is now because the service was not deactivated as I requested by phone on XX/XX/XXXX. I no longer had service and also the equipment was packaged and still in moving boxes. The problem is now after XXXX received the equipment, the amount said due was now for service apparently not deactivated as I requested on XX/XX/XXXX. XXXX  can access the account to see that the service was not being used. I would not move to a new address without deactivating service knowing I would continue being charged monthly. Please if someone can help resolve this incorrect information as it has affected my credit score significantly. The account was supposed to be closed and I I returned the equipment as requested and the amount due was supposed to be removed and the balance should be {$0.00}. Please respond with any help and or advice regarding this dispute. 
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 2022-01-27 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm has me listed as paying a account in good standing and I would like to know how they paid the account and how they got my information to take out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of four accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of XXXX accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
I have been disputing the late payments showing on my account for PREFERRED CREDIT INC which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
My PayPal Business Debit card was stolen. On the morning of XX/XX/2022 between XXXX XXXX it was used for 4 separate transactions at XXXX # XXXX in XXXX, WA. I immediately followed PayPal 's policy and opened a dispute for each transaction in their resolution center ( 4 total ) and filed a police report. On XX/XX/XXXX PayPal closed one of the disputes with a denial ( for the transaction in the amount of {$250.00} ), claiming the card was in my possession ( 2 of the other disputes were closed in my favor on XX/XX/XXXX and the remaining one is still pending. ) Their reason for denying my claim is wrong and does not make sense. XXXX has video footage of the transaction, and my apartment complex also has door access logs and video proving I was home at the time. I explained this to PayPal and attached the police report. Also, the transactions in question were only minutes apart, and the one they denied my claim for was the last one to occur, at XXXXXXXX XXXX. So by denying that case while accepting 2 others, PayPal is claiming they agree that the card was stolen and used fraudulently, but that somehow I had it back in my possession minutes later and made an authorized transaction, which is not logical at all. 

PayPal refuses to explain their specific reason for denial or connect me with anyone who made the decision. They will not let me appeal unless I have more documentation to add, but also won't tell me what evidence they have or need, and the main evidence ( video footage ) is something they need to follow procedures with XXXX and my apartment complex to get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have some accounts that I never gave permission to the companies to check my credit report and that is illegal. I ask that these fraudulent inquiries be removed from my report as they should have never happened. I have attached the required identity theft form as requested by the companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I recently contacted FedLoan Serving because they weren't following the C19 law - there is a timeframe of 8 months were it wasn't being reported as paid on my credit report I was told they put me in a forbearance unrelated to the cares act - i asked why and they said they were trying to sync my payments so they were due at the same time. 

First, it was never communicated to me what they were doing. 2 : I am on an IDR and my payment is zero from XX/XX/XXXX - XX/XX/XXXX at which time I re-certify. Again absolutely zero reason for a forbearance. 

I asked them to please update those months as paid according to the C19 law - and they just flat out said no. I did bring up that they are violating the law they responded by saying, " well we're not updating you CR Its astonishing they are so blatant in their wrong doing. I am filing a formal complaint first because I need help in getting them to do right thing and because its so egregious and they need to be held accountable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have some accounts that I never gave permission to the companies to check my credit report and that is illegal. I ask that these fraudulent inquiries be removed from my report as they should have never happened. I have attached the required identity theft form as requested by the companies involved.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with my signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX permission to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
all three credit companies have continued to violate and allow the collection company to commit fraud when place new start up dates when it comes to a loan that is not recognized listed as more than 7 years old and operantly indisputable. not only is the original debtor nowhere displayed but also the account is riddled with fraudulent charges and misdirected fees. Allowing collections agencies to reinsert and update the starting date equals extorsion not credit collection

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