vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I attempted to pay for a t shirt to a XXXX of an elementary school. I mentioned a name in the notes for the order and now PayPal is asking for the date of birth of that name that is not affiliated with my account. They are refusing to resolve the transaction until I provide this unnecessary information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: CORELOGIC INC
State: NV

Complaint narrative:
I notice that there is 12 inquiries on all three credit bureaus that I do not recognize 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 2021-09-14 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: Lending Club Corp
State: NV

Complaint narrative:
I notice that there is 12 inquiries on all three credit bureaus that I do not recognize please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have over a 90 day period dispute this account auto debt to remove this account with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need the account ( XXXX XXXX  ) to be removed from my credit profile immediately.

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 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX  XXXX XXXX  XXXX Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX : My only telephone is : Telephone : XXXX I do not wish to have any other telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX. 
1 of 2 post office, and they are not reportable as per the FCRA since they are inaccurate. 
Sincerely, 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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I contacted the debt collector to demand that they zero out the balance of the alleged debt for the Wellsfargo card ending XXXX. I sent a notarized Affidavit of Truth to which they have not responded.

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 2021-09-14 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I noticed unauthorized inquiries on my credit report. I have contacted the companies and credit bureaus to have these removed.

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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.

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 2021-09-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.

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 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Scam - On XX/XX/2021, around XXXX, I received text messages from Ally Bank that said as follows : TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a transaction of {$350.00} @ XXXX XXXX # XXXX case id # XXXX. Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a XXXX transaction of {$5000.00} Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' These texts did not seem unusual to me as in the week prior I had been receiving legitimate messages from Ally reporting incidents of others trying to use my funds to make purchases, and so on XX/XX/XXXX I had had my debit card shut off and a new one was being sent in the mail. I assumed these messages were related. The next text told me a Fraud Department representative would be in contact.

I was then called by someone claiming to work for the Ally Bank Fraud Department. This person told me that someone had attempted to withdraw {$5000.00} from my account using XXXX and that, in order to get it back, I would need to retransfer the funds from XXXX back into my own name. This person seemed legitimate as they had access to all of my bank account information, though I'm not sure where they got it from. Following their instructions, I used a secondary email address and I submitted two XXXX transfers for {$2000.00} each into my own name, and I was asked to confirm the confirmation codes sent to my phone, however these transfers did not go to me, but ended up going to someone with a XXXX XXXX account by the name of XXXX XXXX. 

I have been messaging with representatives from Ally Bank since XXXX on XX/XX/2021. I am not able to call Ally and report the fraud until XXXX, which I will be doing. So far the customer representatives have done everything they can to help me, though I am filing this complaint as a way to insure everything is returned back to me in a timely manner.

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 2021-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I noticed unauthorized inquiries on my credit report. I have contacted the companies and credit bureaus to have these removed.

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 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Account debt in question.XXXX XXXX FKA XXXX account number XXXX This account is listed as being 30 days late. I have never been late on this account. Please correct this account accordingly within 30 days. This has been false reporting to my credit report. And Experian have allowed my dispute to become unaddressed over 30 days. Please delete the 30 day late report on my account. I have never been late.

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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The magnetic strip is falling off the back of the debit card and can no longer be read. It due to be replaced early next year anyway and is normal ware and tear. When requesting replacement card they insisted on charging me a {$5.00} fee. I should not have to pay for their card failure.

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 2021-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.

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 2021-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my XXXX XXXX Visa for {$480.00}, and Capital One for {$190.00} and {$190.00} totaling {$870.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 

I did as the lender asked and repaid the {$480.00} from my XXXX XXXX Visa and the {$190.00} and {$190.00} from my Capital One MasterCard. The deposits were returned on XX/XX/2021 - over 30 days later. 

The deposits were made from a XXXX XXXX XXXX account. 

Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that the FBI could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other XXXX XXXX account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down. 

I thought that the FBI could perform a search on this XXXX XXXX XXXX account # XXXX and see if this account had made any other deposits in any other bank account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter today ( XX/XX/XXXX ) from Chase stating they are closing my credit card accounts. When I called the number on the letter to get some answers, the representative would not help and just kept saying it was not his department 's decision so he didn't know anything and couldn't do anything. When pressed to provide an alternate number where I could get an answer, I got their general customer service number, which again, is of no help. 
I searched online for other methods of contacting Chase and read hundreds of posts from other consumers whose account had been closed with no satisfactory explanation and one of them said to email the executive offices for a review of the case. 
I wrote an email detailing dates, the transactions that happened on those dates, and provided documentation about the legitimacy of the charges and payments ( I paid permit fees to the city where my business is located and paid off the charges the day the transaction posted to keep my balance low ). 
The email was returned because the one published email had a " fatal error '' in it and the other rejected my email because I'm an " unknown sender ''.

I am seeking a review of the case by a member of the executive team and a reversal of their decision so that Chase doesn't end up ruining my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me XXXX is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that XXXX asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with XXXX and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to my life.

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 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX promised me XXXX a new XXXX  XXXX if I traded my car in they would use part of it as a down and the rest cash, they said oh they can do it then they change their tactics saying I need to put XXXX down I am complaining to the Nissan Motor Acceptance Corporation Fulfillment department for denying credit, I was discriminated against for credit denial, I want to purse this matter XXXX XXXX XXXX needs to give the XXXX for XXXX down, and low payments, they pressured me into trying to get it wonder if they took my trade, then I could not even maybe get my car back and would have to return the car,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.

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 2021-09-14 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: MD

Complaint narrative:
I am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank who deals with XXXX XXXX denied me of credit, this is the third time I want to go after JP Morgan Chase Bank for denial of credit, again They discriminate against my credit score, maybe if it was them they feel the same way, If I am going to buy a car put money down, or no money down, I can pay the payments, their practices need to change, and stop discriminating against people like me, change the banking system, and stop denying credit and make people like me look stupid, I want to take action against their denial system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.

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