vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent " Credit Collection Serv Account # XXXX '' a followup letter regarding an alleged debt collection on my credit report by the company " Credit Collection Serv '' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX nor the creditor, Credit Collection Serv. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX and the creditor, Credit Collection Serv, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: NY

Complaint narrative:
Im resending complaint for XXXX complaint. you closed the complaint saying you didnt recognize customer. Attached is my id to validate who i am. 
Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: FL

Complaint narrative:
Some one please help me. I have viewed my credit report and saw some inaccurate accounts, so I sent in my disputes to the credit bureau as is my rights. As of now they have not responded whatsoever and this is really affecting my opportunities. This is beginning to feel deliberate and with so many people in this country why would they target me? I have done all that I know to do. I have even researched the laws about this which is why I am filing this complaint. The laws said that they have 30 days to investigate but that timeframe has come and gone. The laws said that they should send me results of their investigation, but I have received absolutely nothing from either credit bureau in regards to " any '' of my letters or concerns. I am frustrated that they have the authority to report wrong information, yet have the audacity to blatantly ignore my disputes about the way they are falsely representing me and my interests. This is my life and they may not care, but I take this matter very seriously! I demand that the inaccurate items in question be deleted at once.

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 2021-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I purchase a automobile motor from XXXX XXXX XXXX XXXX starting with a XXXX payment from my debit card with USAA ending in XXXX i later finished payment for this motor on XXXX with my credit card ending in XXXX for XXXX totaling XXXX. The owner XXXX from XXXX XXXX XXXX was supposed to send this motor and never did to this day. He has been refusing to work with customers in paying back their money. I have tried numerous times to settle this with USAA but have had negative outcomes. Please help me in this matter. I no longer want to be a consumer in America until this is solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-06-26 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: FL

Complaint narrative:
ON XX/XX/XXXX I SUBMITTED A FTC REPORT FOR INQUIRIES THAT WERE NOT AUTHORIZED. EXPERIAN HAS NOT COMPLIED AND REMOVED THE FOLLOWING INQUIRYS 1.XXXX XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX, XXXX XXXX - XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6.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 non-monetary relief
Consumer complaint received 2021-06-26 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:
I am sending this complaint because Experian is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 

It is my right to get this account deleted from my report. This is affecting my financial and emotional life. Experian must stop reporting this account as soon as possible. 

Please see attached proof of case won.

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 2021-06-26 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: FL

Complaint narrative:
Some one please help me. I have viewed my credit report and saw some inaccurate accounts, so I sent in my disputes to the credit bureau as is my rights. As of now they have not responded whatsoever and this is really affecting my opportunities. This is beginning to feel deliberate and with so many people in this country why would they target me? I have done all that I know to do. I have even researched the laws about this which is why I am filing this complaint. The laws said that they have 30 days to investigate but that timeframe has come and gone. The laws said that they should send me results of their investigation, but I have received absolutely nothing from either credit bureau in regards to " any '' of my letters or concerns. I am frustrated that they have the authority to report wrong information, yet have the audacity to blatantly ignore my disputes about the way they are falsely representing me and my interests. This is my life and they may not care, but I take this matter very seriously! I demand that the inaccurate items in question be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both Equifax & XXXX  with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this complaint because TransUnion is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. It is my right to get this account deleted from my report. This is affecting my financial and emotional life. 

TransUnion must stop reporting this account as soon as possible. Please see attached proof of case won.

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 2021-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This dispute has been going on for 6 months. I have filed four disputes on this issues. I order nano hearing aid. They were not what they were described. They are not hearing aids. I called the company that I received them from within 1.5 hours of receiving them and told the company I want to return them. i was giving a return authorization number and returned in the same box the same way they came to me the very next day I returned the so called hearing aid with the company provided a prepaid shipping label. Now have been refused my refund of {$470.00}. This is from XXXXXXXX XXXX XXXX  XXXX issued by Synchrony Bank. I would have expected more from XXXXXXXX XXXX XXXXXXXX with their name on it.

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 2021-06-26 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: FL

Complaint narrative:
Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both XXXX  & Experian with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC 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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Comerica
State: TX

Complaint narrative:
I got one offer from Comerica Bank. Access Checking Account with {$200.00} offer. Application # XXXX. I was told to the nearest bank branch and open the account with that offer. I did the same and successfully opened the bank account. 
Everything was all okay. As per the offer, I was suppose to have a direct deposit of {$750.00} 3 times within the 90 days to get this {$200.00} offer. I have already fulfilled those conditions but today I got the email that my application is cancelled and now I need to start all over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This CFPB 's Complaint refers to the prior CFPB Complaint # XXXX. 

Wells Fargo has NOT ADDRESSED this Consumer 's other Problematic Issues in the Prior Complaint with Wells Fargo 's Violations against Consumers, and the Legal Citations this Consumer had stated in the previous complaint. 

This second Wells Fargo letter was their Answer : was avoidance of this Banks BAD BUSINESS PRACTICES issues and the Consumer 's Legal Citations.. Refer to the [ ATTACHEMNT ] Wells Fargo makes mention to their Consumers of reporting their Refunds to the I.R.S.

do the injured Consumers to be prepared to possibly pay taxes on their court ordered Restitutions to their victims ; their Consumer s. 

It is the opinion of this Consumer is that WELLS FARGO IS QUILTY OF TAX AVAISON and the I.R.S.DOES NOT ACCEPT SXXXX COVER LETTERS FROM BUSINESS ENITYS. TO EXPLAIN THEIR MATH FIGURES. 

I.R.S.LOOKS AT THE MISSING ITIMIZED PAY STUB OF EACH OF THESE REFUNDS CHECKS THAT WAS MAILED OUT. 

REISSUE CHECKS SENT TO THIS CONSUMER.I am assured that by correcting Wells Fargo 's incompetency will defiantly cost OVER the additional amount of {$0.00} to compensate the Consumer for their time when the Consumers did not have these funds.

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 2021-06-26 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: MD

Complaint narrative:
my Paypal account email address is XXXX PayPal limited my access to my account and refused to allow me to withdraw my balance, and after contacting their poor customer service several times for over a year, they asked me to provide a copy of my id card and the current credit card statement of my credit card. As soon as I provided them with the information they requested, they sent me an email informing me that I can no longer use Paypal, After a review, we decided to permanently limit your account as we found potential risk associated with it.

I am not sure if they are making a mistake or what their reasoning for limiting my account and holding my money hostage for over 180 days. I have not done any illegitimate transaction and did not do anything other than selling used items on ebay and shipping them using paypal.

Paypal is hurting thousands of consumers using this same technique to profit from our money and generate profit. please help me access my money. 

the following is the content of the email they sent me : " You can no longer use PayPal. ( Ref ID - XXXX ) After a review, we decided to permanently limit your account as we found potential risk associated with it. 
As a result, we can no longer offer PayPal services to you.

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money.

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 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: FL

Complaint narrative:
on XX/XX/XXXX i filed an ftc report with inquirys that were unauthorized due to identity theft. EQUIFAX has not complied and removed the following inquirys from my credit report 1. XXXX - Card Service Inquiry from XX/XX/XXXX 2.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 3.XXXX Financial Inquiry from XXXX XXXX, XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation