vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 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: NY

Complaint narrative:
there are accounts showing on my credit report that I did not open, I am a victim of identity theft

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 2020-06-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
there are accounts showing on my credit report that I did not open, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the collection company and experian, XXXX, Transunion I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont

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 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted the collection company and experian, XXXX, XXXX  I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont

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 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I went into XXXX and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that XXXX  account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.

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 2020-06-28 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: NY

Complaint narrative:
I am a victim of identity theft, the XXXX  XXXX account report is not my account

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 2020-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have about XXXX in an Ally bank account ( https : //www.ally.com ) in both savings and investments for about 3 years now. Recently, since the Covid-19 pandemic they have repeatedly locked me out of my account and requested that I change my login and password on at least three occasions. This has prevented me from getting access to my funds or account statements, and they do not provide me with copies of my paper statements. In addition, I had requested a transfer of XXXX dollars from my savings account to my XXXX XXXX XXXX XXXX checking account and they refused to honor the transaction. This makes no sense because I have frequently both deposited and transferred funds to and from my XXXX XXXX XXXX account. I have not had any issues with my other bank or investment accounts outside of Ally. I believe that they have some sort of IT error with their internal controls because this is the only bank that has given me any issues with accessing my funds. I would like this resolved as soon as possible and would also like information on how to close my account with them. Given the circumstances, I no longer trust them with my money.

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 2020-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, the XXXX  XXXX account report is not my account

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 2020-06-28 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: NY

Complaint narrative:
I am a victim of identity theft, the XXXX  XXXX account report is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I just received my Pandemic Unemployment Assistance on my Paypal card direct deposited a few days ago. Then all of a sudden today they froze my account and limited it after I had tried transfering money to my other card for bills. I have messaged them about 10 times to only be told that I needed to wait for a specialist to help me. I've uploaded receipts, my I'd, I've explained to them it was my unemployment and still have gotten no response and now I have no bill money cause they won't let me use my unployment money in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC will not allow me to connect my bank account to XXXX XXXX because I guess they've had too many problems with it but it won't allow it I should be allowed to use my debit card wherever I like!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My name is XXXX XXXX, It was sometime last year because I was XXXX at the time and a my account was locked because of fraud and I called chase and they told me to go in to a location so I went in and they told me a check was put into my account but they luckily caught it before the money was taken out and they told me where the check was deposited but I was no where near where the check was put in and I called chase as soon as I saw the account locked and they let me open another account but closed it in less than a week and now I cant open a bank account for college with any bank really because it says I was put on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I felt shortchanged by the activities of the international remittance agencies. I have used Western Union and a host of other online platforms like XXXX, etc. Their exploitative tendencies needs to be curtailed. Thank God there is the Consumer financial Protection Bureau. For equity sake their RATES should be a two-way traffic.If {$1.00} = N371. Fairness demands that they accept transfers from both ends at same rate outside their transfer fees. Its criminal to take my {$1.00} and give me N374 but when i bring N374 you would refuse to give me {$1.00} because the real rate is $ 1=N430 or more. Please let them effect a two-way equitable transfer and rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Changes were made to my account to were I could not leave link it and have not received a notice of this change, very inconvenient

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: DISCOVER BANK
State: NY

Complaint narrative:
During the Covid-19 pandemic, Discover not only didn't try to help its customer but they chose to close my account due to inactivity. There was no advance warning at all. After contacting the customer service, they would not reopen this account. This is totally unacceptable and it does show this company doesn't care about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: IL

Complaint narrative:
I had a XXXX account which went into collections years ago. I filed for chapter XXXX bankruptcy and had that account as well as others discharged XX/XX/XXXX under case number XXXX. While the bankruptcy was listed separately. Most accounts discharged under the bankruptcy including the XXXX account was still showing up individually, some showing it was discharged under chapter XXXX and others not. On XX/XX/XXXX Experian dropped my credit score by 26 points for updating that the XXXX account was included in the bankruptcy over a year ago which had already taken a hit because of the bankruptcy at the time when it was posted to all 3 credit bureaus. This is like double jeopardy and 26 points was a lot for an account previously included in a bankruptcy which has been reported for almost two years so far.

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 2020-06-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$26000.00}, {$26000.00}, {$9400.00}, {$2400.00}, {$17000.00}, {$16000.00}, {$0.00}, {$200.00}, {$8300.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


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


-- COLLECTION ACCOUNTS 9. AMSHER COLLECTION SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

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 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I was payed from XXXX To cash app and on my XXXX  account it says payed but cash app locked my debit card and is not showing me my money is there or that they received it. Its been about 7 days now and I have proof that it was sent to that cash app bank account. Please reach back to me and help me. It was XXXX $ and it was sent on XX/XX/2920 thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have multiple negative credit reporting on my credit report from you that states I owe {$1600.00} I also have another credit that shows for {$2400.00} This has been keeping my credit score stagnated for years now. I do not know were this is coming from and want to know why this is being reported.

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 2020-06-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$26000.00}, {$26000.00}, {$9400.00}, {$2400.00}, {$17000.00}, {$16000.00}, {$0.00}, {$200.00}, {$8300.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


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


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

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 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Pnc is not allowing XXXX  to sync so we can accept payments online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, which I have previously stated, somebody's account is on my credit 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 2020-06-28 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: NY

Complaint narrative:
I am a victim of identity theft, which I have previously stated, somebody's account is on my credit 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 2020-06-28 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: NY

Complaint narrative:
I am a victim of identity theft, this account XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I created a new account with chase bank on XX/XX/2020 under my name XXXX XXXX. I put my money it in no problem and I created the account online and wasnt able to put my fianc on my account until I could go to the bank, and he wasnt off for a while to where we could go. So I took his XXXX XXXX check from XX/XX/2020 and he signed it over to me to deposit through the app. I didnt know this would create a problem where I couldnt use my checking account, I cant even get my money out and I need my money ASAP for rent and bills. I was told over the phone on XX/XX/2020 that they were just verifying the check and my account would be back up on XX/XX/2020. So XX/XX/2020 I got a letter dated XX/XX/2020 that said they were going to close my account. When I called I kept getting transferred around and finally disconnected after waiting over an hour. I seriously just need my money as soon as possible, I would prefer my account be fixed if possible.

Company response to consumer: Closed with explanation