vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent my change update of information to the letters to the credit bureau to update my name and address however to be reported correctly but the credit bureaus have fail to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Paypal put a rolling reserve on not one but three of my accounts and I no longer can log into my account nor have they paid me could you please look into this farther.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
ARS National Services is attempting to collect a debt that I do not owe. I never authorized an account with XXXX XXXX XXXX. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlement payment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but Experian XXXX and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX  $ XXXX-Balance XXXX-Open date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.

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 2021-01-17 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: LA

Complaint narrative:
I have inquiries on my Transunion report that I did not authorize. They are fraudulent. I tried resolving it with Transunion but they will not remove the inquiries. Ive attached a screenshot of the listed inquiries.

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 2021-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting to debt collections that arent mine. XXXX XXXX  for {$1800.00} and XXXX XXXX for {$1100.00}. Ive tried resolving this issue but they will not remove the collections. I want Experian to provide proof of this debt and I want to see the contract bearing my signature.

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal.

In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account.

I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
The are holding {$450.00} of mine and wont release it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: NV

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknow things on my credit report. To this day ove 60 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they must be deleted as soon as possible.t I demand these accounts be deleted immediately or I will file for litigation due to the stress poor time managemen. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2021-01-17 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: NV

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknow things on my credit report. To this day ove 60 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they must be deleted as soon as possible.t I demand these accounts be deleted immediately or I will file for litigation due to the stress poor time managemen. My information was impacted by the Equifax data breach and may have got into the hands of the wrong people!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but XXXX XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX $ XXXX XXXXOpen date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court XXXX XXXX , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.

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 2021-01-17 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX $ XXXX XXXXOpen date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: NC

Complaint narrative:
I THINK SOMEONE HAVE MY SSN AND I HAVE 39 HARD INQUIRYS ON MY CREDIT REPORT FROM XXXX, XXXX, TRANSUNION PLEASE 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
Consumer complaint received 2021-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX XXXX and deceased XXXX XXXX are saying they have no dealing too Mr Cooper as the ownership trustee of the company .if it not them, then who is it .the record is say XXXX XXXX are active trustee management for Mr Cooper. Address on file for this company is XXXX XXXX XXXX XXXX ga, and XXXX and XXXX XXXX  XXXX  XXXX ga, deceased owner of the company Mr Cooper XXXX XXXX XXXX, it is a pandamic be out here. Us the heirs need a relief, and for both of them says they have nothing too do with this .then contact Mr XXXX XXXX make him sign a release form so I can step in as a heir too the company or beneficiary .to company and take over. I have wait 21 years. I don't want too die and waste my time XXXX XXXX deceased date on file for this company is XX/XX/XXXX .file in probate court XXXX ga. Under XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one is inaccuratce on my XXXX  and XXXX  there's no late payments no credit history but yet I still ow XXXX I disputed the inaccuratcy but nothing was done it's still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX XXXX XXXX XXXX was closed - shut down due to fraud. By continuing to report a tradeline with derogatorymarks Sallie Mae is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX XXXXthrough Sallie Mae. Thus any and all activity on this account is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates
State: NV

Complaint narrative:
To Whom It May Concern : I filed CFPB Complaint XXXX against XXXX XXXX  on XXXX. As of XX/XX/2021 XXXX XXXX told CFPB their response is in process. I received In a letter dated XX/XX/2021, collections law firm Guglielmo & Associates contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client XXXX XXXX  has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct Guglielmo & Associates to contact me on their behalf, especially when they had proof of my exempt income. 

XXXX XXXX has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XXXX letter from Guglielmo & Associates, which might indicate, in my opinion, the likely intention of XXXX XXXX to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if XXXX XXXX claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, Guglielmo & Associates. 

Since the CFPB Database seems to indicate that Guglielmo & Associates might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that Guglielmo & Associates provide written acknowledgement of my exempt income. I have other exemptions as well. XXXX XXXX is put on notice that they were aware of my status BEFORE they sent Guglielmo & Associates to attack me, so XXXX XXXX is responsible for any and all actions of Guglielmo & Associates.

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 2021-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WV

Complaint narrative:
On XX/XX/2020, I took out a small loan from Net Credit who solicited me over 25 times to take the loan. My credit score at the time was around 640-660. I was told over the phone that my payments were going to be low and would have a good interest rate because my credit score was ok. After speaking with them they had me send some documents over and then told me the loan was approved and would be deposited in my account the following day. I went through a document that should my payment schedule if I made the payments on time when would my payment start to decrease. They told me all I had to do was pay a little more than the payment due and my payment would start dropping. 
The next day I pulled up the document they sent me to see exactly how many payments I will have to make. They also told me with each payment made on time it will decrease my percentage on the loan the more on tie payments I made. 
At the time I took the loan while I was not fully in my correct state of know-how and in some distress because the rush to get the loan accepted and done was the focus. In this mad rush, there was one page I did not recognize on the page was the interest rate buried I am large paragraph I verbally asked what was the interest rate they consistently told me b it could by 19-35 % based on my credit score.

I didn't dig deeper since I knew my credit score wasn't bad so I could probably deal with the 19 up to 21 % and especially since my interest would go down as my payments come in, I would be ok even if I had to be in the hospital. I am XXXX XXXX and suffer from XXXX and XXXX XXXX, XXXX, and XXXX XXXX XXXX. 
The loan was for {$5000.00}. My monthly payments are {$290.00} so I figured about 20 payments. I was devasted and shocked that they had given me the loan at a 65 % interest rate!!! I never heard of anything so high in my entire life. I panicked and called them to ask them why was I at such a high-interest rate when my credit was fine. I told them I could not do this and could drop the huge devasting interest rate. 
I have been paying this bill since XX/XX/2020 at {$290.00} a month. I am terrified I can not fulfill this process on these terms with this astronomical huge unheard of interest rate. Someone told me it's illegal. I have been making payments for over a year and my loan is still for {$4900.00}!! I have paid them as of this date a total of {$3200.00} but they show I owe still the {$5000.00} just about. Please can you help they are taking full advantage of me because of an emergency? I would never have agreed to take the loan out if they would have verbally on the phone during our validation and loan info that I would be paying 65 % in interest. They never told me while doing the application over the phone that I would be subject to this fraudulent loan. Anything you can do to help I appreciate greatly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Coinbase Wallet Swap failed First transaction fail hash XXXX Second transaction fail hash XXXX Using CB wallet conversion I converted XXXX USDc to RSR and I did not receive my RSR and now my USDc is gone Second hash I converted {$2000.00} worth of rsr to usdc and did not receive my USDc now my rsr is gone. 

Im out {$4000.00} I opened a complaint 6 days ago with Coinbase and no response. I also reached out to XXXX where the transaction takes place and they said transaction was reverted and it is a Coinbase issue. I have screenshots of the money not showing in my wallet as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: SLM CORPORATION
State: PA

Complaint narrative:
I submitted dispute on to Sallie Mae Bank which they received via certified mail. It is well over 30 days I have received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: NV

Complaint narrative:
To Whom It May Concern : I filed CFPB Complaint XXXX against Discover Card on XX/XX/XXXX. As of XX/XX/XXXX Discover Card told CFPB their response is in process. I received In a letter dated XX/XX/XXXX, collections law firm XXXX XXXX XXXX contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client Discover Card has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct XXXX XXXX XXXX to contact me on their behalf, especially when they had proof of my exempt income. 

Discover Card has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XX/XX/XXXX letter from XXXX XXXX XXXX, which might indicate, in my opinion, the likely intention of Discover Card to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if Discover Card claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, XXXX XXXX XXXX. 

Since the CFPB Database seems to indicate that XXXX XXXX XXXX might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that XXXX XXXX XXXX provide written acknowledgement of my exempt income. I have other exemptions as well. Discover Card is put on notice that they were aware of my status BEFORE they sent XXXX XXXX XXXX to attack me, so Discover Card is responsible for any and all actions of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation