vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report. It's been over 30 days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer 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 2021-06-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer I demand the following accounts be removed from my credit report immediately. In addition I demand to have a copy of my updated consumer report once the following changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer 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 2021-06-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-06-09 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I submitted a dispute for an account with XXXX. I think the balance on the account was {$390.00}. The estimated completion date for the dispute was set for XX/XX/2021. However, the dispute was never completed by that date. I called Equifax in regards to the dispute not being resolved within the 30 days and the rep told me that because of this, the account would be removed. The account was removed. 
On XX/XX/2021, I received an alert stating that the same account was placed back on my credit report, causing my score to drop by 32 points. I logged back into my My Equifax account to just see that the original dispute still hasn't been resolved and is still showing under investigation. Furthermore, there's a dispute that was done on XX/XX/2021 and shows completed on XX/XX/2021 that was NOT SUBMITTED BY ME. Shortly after that dispute was submitted and completed, the account with XXXX was added back to my account. According to the Fair Credit Reporting Agency, the original dispute submitted on XX/XX/2021 was not completed within the 30 days so the account was removed and should have remained removed. It should not have been placed back on my credit causing it to drop 32 points. What do I need to do fully resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: AZ

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
On XX/XX/2021, I called Comenity Bank ( XXXX XXXX ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment. The CSR asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. In the beginning of XXXX of 2021, I received a statement stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given an interest fee of {$9.00} for a total of {$44.00} ( subject to late fees ) if I don't pay it on time. Comenity Bank ( XXXX XXXX ) is taking advantage of consumers who are unemployed due to COVID restrictions and just trying to stay afloat. Comenity Bank ( XXXX XXXX ) is engaging in unfair practices against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent out some letter To Verify The Accuracy On my Credit Report. I have not receive a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be deleted. the Companies were unable to provide me with proof of the supporting documentation. This is embarrassing and damaging to my reputation as a consumer. I need financing for a new house. I damant they block and remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: FL

Complaint narrative:
Several years ago a credit card was opened in my name with XXXX XXXX. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous

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 2021-06-09 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:
Several years ago a credit card was opened in my name with XXXX XXXX. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: KY

Complaint narrative:
I decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( Experian, XXXX and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to Experian and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX  and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with XXXX, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my 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 non-monetary relief
Consumer complaint received 2021-06-09 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: GA

Complaint narrative:
Equifax has failed to delete the inaccurate information from my credit report. The alleged Account XXXX is inaccurate Equifax Received my dispute on XX/XX/XXXX stating that the alleged date of the first major delinquency reported is inaccurate the alleged date of the first major delinquency is XX/XX/2018 is contradicted by the payment history calendar which shows that I made payments on XX/XX/2018 and XX/XX/2018 which means the alleged date of first major delinquency is inaccurate. Equifax responded XX/XX/XXXX stating that the alleged account was verified as accurate by the alleged data furnisher yet shows the same error. Title 15 1681e. Compliance procedures ( b ) Accuracy of the report specifically states- '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Equifax failed its duty as a credit reporting agency by furnishing this inaccurate account on my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
1 ) Ordered item from XXXX. 
2 ) Item was hacked by someone in Georgia.

3 ) Notified XXXX that I did not receive the ordered item. 
4 ) XXXX reordered item. 
5 ) XXXX referred me to XXXX XXXX XXXX to buy a XXXX XXXX protection for my computer. 
6 ) Ordered XXXX with XXXX XXXX for {$290.00} for 2 years. 
7 ) On XXXX, I was contacted by XXXX XXXX stating they would credit my checking account {$390.00} for 3 years of XXXX XXXX protection. 
8 ) I cancelled the {$390.00} transaction because my contract with XXXX XXXX had not expired ( one more year to go till XXXX. ) 9 ) I filed a fraud complaint with my bank and your company.

Company response to consumer: Closed with explanation