vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( TransUnion ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX [ If you have a lawyer, state that you have legal representation and provide that persons contact information ] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX 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 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 I made a purchase where the payment was made through PayPal in the amount of XXXX. I have contacted the merchant for a refund because they had not shipped my items or provided accurate shipping information. I also contacted PayPal on XX/XX/2020 where I was informed that the said Merchant MISSINSTYLE had not provided any tracking information to them either. However, PayPal is refusing to issue a refund and wants me to wait until XX/XX/2020 for the merchant to ship the package. I have emails from the merchant refusing to issue a refund stating that it has been shipped and I should wait until I receive it to see if I like the item. Clearly the item has not been shipped but they have received payment, I would like assistance with getting my funds returned since the bank is unable to dispute the charges being that this is a third party purchase. Something I was totally unaware of prior to calling the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Two recent inquiries to my Experian account that I did not initiate. I tried to call and you can't connect to a live person.The phone number only has automated answers. No email or chat options. This is beyond frustrating. Your credit report is one of the most important docs to a person. It affects everything. The law should require adequate access to live help. You can never get through to anybody.

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 2020-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
THIS LOAN DOES NOT BELONG TO ME SOMONE USED MY INFORMATION MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THIS CARLOAN I HAVE TRIED TO FIX THIS FOR YEARS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA XX/XX/20, I mailed XXXX, XXXX   and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NY

Complaint narrative:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.

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 2020-09-22 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: NY

Complaint narrative:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
My identity was fraudulently used to receive a loan from ILOAN/ONEMAIN. The address used for this loan has never been my address. The identity thief used a paper copy of my ID also. The address on the loan & id never matched up, which should have been a red flag for a company who is supposed to throughly verify identities before issuing out loans. Phone numbers, email address, etc. are also not linked to me. Even after filing the proper police report & other supporting documents, this company is still holding me accountable for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX held the lien on a truck that was crashed on XX/XX/XXXX and insurance deemed totaled on XX/XX/XXXX. My monthly payments were due on the XXXX of every month. XXXX  XXXX XXXX XXXX XXXX was notified of the crash immediately and was informed that insurance would be paying off the remainder of the loan. My insurance company did not submit the check to XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX, and did not cover the remainder of the loan. At that time, Insurance made a payment of {$13000.00} on XX/XX/XXXX - 5 days late. However, they reported to Equifax that the XX/XX/XXXX payment was made by me 30 days late. Next, the remainder of the loan balance was paid on XX/XX/XXXX, in an amount of {$3500.00} - 20 days late. A paid in full document was sent by XXXX XXXX XXXX XXXX XXXX to me, with the stamped date displaying XX/XX/XXXX. However, XXXX XXXX XXXX XXXX XXXX reported the XX/XX/XXXX payment was made by me 60 days late. How is this even possible when the loan was paid in full 20 days after the XX/XX/XXXX payment due date? 

I sent a letter to the Director of Consumer & Real Estate Lending/VP at the Main Street location, requesting the corrections be made and false derogatory remarks be removed on XX/XX/XXXX, and never heard back. 

I filed a dispute with Equifax, who investigated and reported that the late payments were accurate - which again, is not even possible given the facts and the documentation XXXX XXXX XXXX XXXX XXXX itself has provided me. I attached supporting documents to the dispute that indefinitely proved inaccuracy on XXXX XXXX XXXX XXXX XXXX XXXX part, and proved the accuracy of my claims. However, these documents were ignored and the late payment remarks remain on my credit report. 

The documentation I have is an activity statement for my loan account in question provided by XXXX XXXX XXXX XXXX XXXX showing the dates and amounts received supporting my claims and disproving The XXXX XXXX XXXX XXXX 's late payment remarks. 
Also, the Paid-In-Full document showing a paid in full date of XX/XX/XXXX provided by XXXX XXXX XXXX XXXX XXXX that support my claims and disprove XXXX XXXX XXXX XXXX XXXX 's late payment remarks. 
Lastly, the claim outcome details, dates, and disbursement amount and to be paid to the loan by XXXX XXXX XXXX, provided by XXXX XXXX XXXX supporting my claims and disprove XXXX XXXX  XXXX XXXX XXXX 's late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX keeps calling from a masked number XXXX XXXX XXXX XXXX. I have repeatedly told her to remove the phone number, stop calling, and contact me via mail. She refuses to do so. Furthermore, she does not identify herself as a debt collector as required by law. Furthermore, she calls this number and tells people who pick up the nature of the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D2 Management LLC
State: NY

Complaint narrative:
XXXX keeps calling from a masked number XXXX XXXX XXXX XXXX. I have repeatedly told her to remove the phone number, stop calling, and contact me via mail. She refuses to do so. Furthermore, she does not identify herself as a debt collector as required by law. Furthermore, she calls this number and tells people who pick up the nature of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Debt was initially created in XXXX for {$1000.00} as a collection by XXXX XXXX. I did not have contact with the debt collector. The original debt was removed in XXXX and then sold and new debt collection agency re-aged the account to show as if it was a newly created delinquency. The " new '' collection for the original debt of {$1000.00} was reported to my credit as opened in XX/XX/XXXX by National Credit Adjusters. I have not had contact with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: WA

Complaint narrative:
hello, I have a account for a personal loan with lending club and have located better loan with my credit union who sent out a payoff check to lending club. I called in on the XXXX of XXXX to put a loan payment extension till the XXXX of XXXX on file with lending club. I informed them I have sent a check to cover the total amount of payoff to them to be there before the XXXX of XXXX and to expect a call from me prior to the XXXX to verify payoff and to pay any possible unpaid amounts to close out the account. as of the XXXX of XXXX I was charged through automatic payment withdraw my monthly payment amount even though the company had received my extension and also my check for payment in full. I contacted the company to get my payment refunded and now am being told by the rep. and told would only be the same answer from a manager that there is nothing they can do, they admit its there error and that this payment shows to be in the over payment que already and no future payments due. however they are now causing my bank account to overdraft and are unwilling to correct there mistake and refund the money before 1-2 weeks out. I feel as this was intentional and is not acceptable for a financial institution to not be able to refund the amount taken in error in a timely manner. any help in this matter would be greatly appreciated ad possibly a fine or reimbursement for my personal banking fees due to there error seems fair. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a Capital One credit card user. I have used their service without problems for many years but within the past month Capital one has decided to slash my credit limit in half despite the fact that I have never had a late payment with them. I am angered that they decided to blindside good customers with this action but I am REALLY XXXX off that their {$5000.00}, unexplained cut in my credit limit has resulted in a 3 point drop in my credit worthiness. I worked very hard to get my credit score into the " excellent '' range but Capital One 's arbitrary action has dropped me out of the excellent range ... all through no fault of my own. 
I called the company to get their side of the story and I was sorely disappointed in their response. I worked my way up through the ranks of their customer service people to be told by a manager that there was nothing that could be done about the credit limit or the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-22 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: MA

Complaint narrative:
GOOD AFTERNOON XXXX  XXXX XXXX  XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation