vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

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: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out 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 believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions 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 XXXX. 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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA has denied my request for an {$80.00} adjustment due since I didn't identify within the 60 day period. I notified USAA as soon as I found out about the fraudulent check when my payee sent me a late notice and fees. I thought the bill had been paid. 

Dates : Check posted : XX/XX/XXXX Date identified : Approximately XX/XX/XXXX Date notified USAA : XX/XX/XXXX Additional Information : The USAA Bank check originally was sent through the USAA check payment service ( also see attached ) : Check Number XXXX Dated : XX/XX/XXXX To : XXXX XXXX XXXX Original Description CHECK # XXXX Posted Date XX/XX/XXXX Amount ( {$80.00} ) This check was intercepted and fraudulently endorsed and cashed by a XXXX XXXX at the XXXX XXXX XXXX, CA ( also see attached ). 

I contacted the USAA bank immediately on XX/XX/XXXX once the discrepancy was identified from the check image. The USAA Bank fraudulent check case number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

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

Complaint narrative:
I opened a Venmo account XX/XX/XXXX. There were some issues not sure exactly what since I have not received any explanation on why my account was frozen. It has been frozen for over 10 days. I sent almost 40 years in banking and familiar with regulatory laws concerning hold on new and existing accounts. It was my understanding 10 days was the longest fund could be held by the bank. I am assuming if they are regulated by CFPB then they have similar regulations. They frozen the account XX/XX/XXXX and are holding {$570.00}. My last access I had to my funds was XX/XX/XXXX. They requested I send an ID which I did on XX/XX/XXXX. All I want are my funds so I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I received a mail solicitation dated XX/XX/XXXX from Southwest Credit to settle a debt for {$1100.00} with XXXX XXXX. This is not my debt. My only business with XXXX XXXX XXXX service, which has been managed by monthly autopay for many years. A call placed XXXX to Southwest Credit confirmed that the address associated with this debt is in Texas -- I have lived at the same residence in Massachusetts for 20 years. A check of my credit report shows this debt with Southwest Credit and several false addresses listed between XXXX in Texas and Nebraska, which I disputed. 

I have received solicitations from other debt collectors and I've had a difficult time discerning if they are legitimate. I am reticent to provide PPI to a company that may not be operating legally. I'd like to clean my credit report without dealing with collection agencies that I have no business with. 

I've put a fraud alert on my credit report effective one year through XX/XX/XXXX.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX EQUIFAX XXXX IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX XXXX EXPERIAN IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING 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 non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/2022 I attempted to have the debt verified via nototorized statement from someone with original knowledge of the debt, as well as something from the original creditor with my signature on it. this request went unanswered by Midland Credit Management, who then continued to attempt to collect on this debt. I have serious doubts that this debt belongs to me. I've since received a letter stating that legal action will be taken on XX/XX/2022 if the debt is not paid in full at that time. Again I doubt the validity of this debt and do not believe it to be mine. Also while attempting to get validation of this debt they continued to report it on my credit reports. In addition they've listed the account that they hold as " open & past due '' if this debt were mine it would be impossible to be open or past due after the fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I opened a XXXX XXXX prepaid account and was mailed a XXXX card. The XXXX card did not work and XXXX tech department was unable to assist and I experienced terrible customer service. I never used the service and do not owe XXXX a dime. They referred the account to Convergent who continue to harass me by email and postage mail. I explained this situation twice to Convergent and they continued to contact me. I sent a cease and desist and they continue to contact me for a bill I do not owe.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
I had a current bank account. It got hacked and charges were made. I disputed the charges but current disputed them under wrong type and said it was item not received when it was fraudulent. I submitted my police report to them and they still ain't refunded it. They closed my account out claiming I was committing fraud all because they let my account get hacked and {$700.00} stolen from me via fraudulent charges.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX, Senior Energy Consultant ( Tel. XXXX XXXX XXXX email XXXXXXXX XXXX XXXX XXXX ) for XXXX XXXX XXXX convinced me to sign up to have the solar system installed at our house at XXXX XXXX XXXX XXXX, XXXX, California XXXX. We met several times at our house because there was a problem with how much we can save on electric bills. I mentioned to him that I am concerned that the federal tax credit he mentioned will not affect our tax situation because we do not owe that much in income tax. Since I prepare tax returns for individuals as a XXXX  I know that the federal tax credit he was referring to do not apply to us. He tried to prepare different scenarios on how the solar system will benefit us, like rebates at end of the year, lower monthly electric bill, etc. and kept changing the contract. To make a long story short, the SOLAR PANELS HAVE NOT BEEN INSTALLED and I am also sure that the XXXX XXXX XXXX has not approved its installation either. However on XX/XX/2022 Equifax reported that the agreement had been consummated XXXX XXXX Confirmation # XXXX. All i want is to have this matter removed from my credit report. Please help and I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/2022 there was a payment made to a account I did not recognize of {$440.00} to XXXX XXXX XXXX which was supposed to go to XXXX XXXX XXXX instead. I am not sure how the payment was made because to my knowledge I was set up on a promise to pay. When I realize the payment was made to the incorrect bank I contacted the bank and made them aware to cancel the pending payment. However, they stated that I had to wait until the transaction was settled than to report the issue. Once, the transaction settled on XX/XX/XXXX I reported the issue. I spoke to multiple repsetnatives that could not give me a direct answer on the reason why the claim was denied. I submitted screenshot from my bank XXXX XXXX stating that they never received a payment. I also called the merchant on 3 way and they stated that it was applied to the wrong account and I would have to go to my bank to refund the amount. When the claim was denied to they provided me with an explanation that there was a {$100.00} transfer from my savings to my checking around the time the payment was taken, which has nothing to with the transaction that was made to the wrong account. I have never dealt with a bank that can no explain the resolution. Please see the explanation that was provided : We reviewed your claim and determined that there was no error that occurred based on the following supporting information. 
XXXX it has multiple funding event an example occurred on XXXX XXXX amounting for {$100.00} minutes prior and the said funding event is anticipated to the disputed transaction. 
No suspicious deny code related to the specific disputed transaction. 
No PII changes and no sign of XXXX during the disputed XXXX  timeline. 
No fraud alert indication during the disputed XXXX  timeline The transfers were made to prepare for the promise to pay for XXXX XXXX  NOT XXXX XXXX. But what does that have to do with the transaction itself. I don't understand the outcome. Chime is not making me feel like my money is safe with them when it comes down to a error made on a account. There is no one to speak to directly in reference to the issue for an explanation. If there was proper investigation was done then there would have been some contact with the merchant and there was none according to the documentation they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I made some purchases in this application called coinbase there were XXXX purchases of XXXX XXXX dollars total XXXX XXXX dollars I made the first purchase on XX/XX/2022 I made the second purchase on XX/XX/2022 I made the third purchase on XX/XX/2022 and the last purchase was made on XX/XX/2022 after making these purchases they do not want to let me withdraw my money from the wallet

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$900.00} Status Closed. {$88.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} written off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Investigation took more than 30 days
Company: Premium Credit Bureau
State: IL

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

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 — Investigation took more than 30 days
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

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 — Credit inquiries on your report that you don't recognize
Company: Tesla, Inc.
State: CA

Complaint narrative:
I have 3 hard inquires on my report dated XX/XX/XXXX2022 They are not mine. 

I had contacted XXXX via phone and was told it was disputed, and within 3-4 days it would be removed. 
Its now XX/XX/XXXX and the hard inquiry still shows on my report. 
I then chatted with XXXX and was told I was given wrong information. 

I was told I then had to mail in my dispute, and now nearly 2 weeks has passed since then.

1. Dispute the 3 hard inquries 2. Complaint versus the transunion rep that provided me wrong information Photo attached of the hard inquries.

Company public response: Company can't verify or dispute the facts in the complaint
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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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