vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The accounts that are reporting on my credit report are inaccurate accounts that do not belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge ive asked for proof or any verification these accounts belong to me and i havent received anything yet these negative accounts still remain and effect my credit report poorly.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand these unauthorized inquires be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX XXXX XXXX. My information was impacted by the XXXX databreach and may have been exposed to the wrong person

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THIS ACCOUNT THAT APPEARS ON MY CREDIT REPORT WHICH 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 non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX of this year 2021.I noticed a large deposti on my account in the amount of XXXX dollars, the check was still pending but someone started removing the money via atm withdrawals and what look like point of sale withdrawals, they took out a total of XXXX dollars to the best of my knowledge, i called the bank on monday as i could not reach no one on the weekend, i was told they would open a case and they would get it resolved within 10 days or at least offer provisional credit, the following friday, the bank said they would decline the check and everything would be fine, i recieved my pay checks on the friday folowing and the bank took XXXX XXXX dollars of my money to pay for the withdrawals that i had filed a complaint on, i recieved a call from a bank represenative by the name of XXXX XXXX XXXX XXXX said that my claim had been denied because i used my bank card a couple of times after i made the complaint, i was never instructed not to use it, they just told me to change the password, i believe this was just a ploy to restart the claim so provisional credit wouldnt be issues, i have called everyday for 10 days and no one has been able to get this resolved, i have spoken to roughly XXXX agents at PNC on XXXX phone and in person and no one seems to know what they are doing or how to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I had begun conversations with XXXX XXXX in XXXX, MN and began to fill in a pre-application for them. I marked NO on their application for approval to run my credit score. 

There was a hard credit pull executed by XXXX XXXX XXXX on XX/XX/2021. This hard credit check was not authorized. 
Upon contacting XXXX XXXX XXXX team, they provided two separate screenshots that did not show permission for running my credit : On Page XXXX of the application, theres no signature. 
On their provided screenshots, the images do not share what form is being referred to in relationship to XXXX, and include an incomplete online form that doesnt show any connection to my information. 

In addition, the IP Address shown maps to the middle of a lake in Kansas ( and not to my address in XXXX ) Source : XXXXXXXX XXXX XXXXXXXX Both of XXXX XXXX representatives XXXX XXXX XXXX and XXXX XXXX XXXX refused to do the following : Share which form Visual # 1 is referring to Explain what their XXXX  permits their team to do, and Acknowledge what the lack of consent on Page 6 restricts them from doing.

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 2021-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I called in to One Main on XX/XX/15 to make a payment. I was not informed that a payment was being withdrawn at that moment. This resulted in a double payment, which is NOT something that I wanted. Only one payment should have been withdrawn which was XXXX. Both payments have posted. The company states that they have a process that takes time for me to be refunded. I sent over the XXXX Statement and real time transaction history over 3 times to One Mains XXXX, GA branch and the executive office. They are asking for XXXX 's statement, but they know that it hasn't printed off yet. The transaction history should suffice in addition to XXXX 's statement. One hand doesn't know what the other hand is doing and I am tired of it. They pulled the money out of my account twice without an issue, therefore I should be refunded asap without an issue. I am not pleased with their response, lack of communication, and their attitude with this situation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: CT

Complaint narrative:
Mountain Run Solutions LLC put a derogatory mark on my credit report alleging a {$340.00} debt due to XXXX based on a contract dated XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX For the purposes of negotiation and compromise, on behalf of XXXX XXXX and myself, I have requested that Mountain Run Solutions provide the following documentation so that we can settle this dispute, which they have refused to provide : 1. A copy of the assignment of the XXXX contract from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX from XXXX to Mountain Run Solutions LLC. 
2. a written release of all liabilities arising from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, signed by an authorized representative of Mountain Run Solutions , LLC releasing XXXX XXXX and XXXX XXXX XXXX formerly known as XXXX XXXX ; 3. a copy of a written submission removing any derogatory comment from both XXXX and XXXX credit reports with all three credit agencies, XXXX, XXXX, and XXXX. 
Documents provided on XX/XX/XXXX by Mountain Run Solutions are not signed by an authorized representative contact person to be validated, do not show the details of {$340.00} calculation which conflicts with the billing history document as well as the terms of the XXXX Alarm monitoring agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
this account is fraud, i dispute this account several time and they say this is mine and isn't. please remove it from my credit this isn't mine.

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 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT CONTINUES TO APPEAR ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding
State: OR

Complaint narrative:
I got a mail from Entrust Funding regarding my Refinancing of my home. 

I called them and gave my SSN details, my firstname, last name and Annual pay.

Later i released it's a spam mail. 

I want my all details and information removed from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have reached out to Cavalry Portfolio Services and requested information in which I have yet to receive a response. Cavalry Portfolio Services is XXXX XXXX of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have contacted this organization multiple times letting them know I'm XXXX and can not call them and speak on the phone. When I tried to let a hired organization speak on my behalf, they wouldn't allow it without notary and a few other hoops, which I understood. But I've let them know i'm still unemployed due to XXXX that I'm working through, and they have not allowed me to put off making payments, instead dinging my credit score month after month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The accounts that are reporting on my credit report are inaccurate accounts that do not belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge i've asked for proof or any verification these accounts belong to me and i havent received anything, yet these negative accounts still remain and effect my credit report 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 non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 2021-12-17 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I do not have knowledge of this debt. I have disputed the debt with the 3 credit bureaus at least 3 times, requesting proof that the debt is mine and or removal from my credit report. 

The collection agency is claiming a debt with XXXX XXXX, saying the account is recent, however ; I have been with XXXX XXXX and/or XXXX for >15 years. 

I called and requested proof of a contract or something I signed or agreed to. The collection agency sent me a document to report " identity theft '', and to provide a police report which is no applicable, as I did not have a XXXX account in my name, was not aware of the account, so no police report would be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have reached out to LexisNexis and requested information in which I have yet to receive a response. LexisNexis is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The accounts that are reporting on my credit report are inaccurate accounts that do no belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge i've asked for proof or any verification these accounts belong to me and i havent received anything, yet these negative accounts still remain and effect my credit reprt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
To whom it may concern : I am referred to your office by SEC counsel office in regards to scam done by XXXX through Coinbase Wallet . 
I invested {$40000.00} to buy USDT ( XXXX ) using Coinbase app and Coinbase Wallet app that XXXX XXXX urged me. She also gave me the XXXX XXXXXXXX link ( XXXX ) run by XXXX who run XXXX XXXX In the beginning andd through XXXX XXXX my funds grew to XXXX USDT and XXXX told me that I was a lucky user picked to receive higher yield interest along with XXXX ( Ethereum ) from XX/XX/XXXX through XX/XX/XXXX by which XXXX would return all my funds back along with reward which never happened. They asked me to add 76000USDT in my Coinbase Wallet during what they called contract period to which I never agreed to pledge additional funds let alone to authorize XXXX to authorize taking money from my Coinbase Wallet XXXX On XX/XX/XXXX, I was shocked that all my XXXX USDT was taken without my consent. Furthermore, customer service at XXXX said all my USDT would be returned in XX/XX/XXXX which never happened. Customer Service at XXXX said I had to request to withdraw all my funds which I did and they would return all my funds within 24 hours which they never did. After requesting them to return my funds the Customer Service said I had to add XXXX USDT to Coinbase Wallet for me to unfreeze the funds which I refused since I have become suspicious. Finally XXXX customer service threatened to freeze my funds indefinitely. I have tried to contact Coinbase customer service but they said nothing they can do to help. I am not the only one who becomes victim of this scam. Please refer to the following link of other victims ; XXXX XXXX XXXXXXXX Even though I have reported the digital wallet that stole my USDT, Coinbase cant do anything. 
My Coinbase Wallet address : XXXX The wallet address that took my funds : XXXX I am hoping that you can help me and other victims to recover the funds due to the fact that Coinbase app is not secure at all and the scammer by XXXX who stole many Coinbase Wallet users. 
Thanks in advance for the opportunity to file this document to you. 

Respectfully yours XXXX XXXX XXXX AIA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE XXXX, XXXX, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TN

Complaint narrative:
My FedLoan Servicing. AWFUL. I just want to know a rough estimate of payments for the next year. It's XX/XX/XXXX, and repayment plans will start soon and I have ZERO idea of how much my payments are going to be, or what my options are. I have currently been on hold for an hour and 30 minutes. 

How do they expect people to PREPARE to pay back a loan with NO information. It is awful. This is the longest I've waited on hold. I usually try the call back option, which never happens. What a scam. I can't believe the FEDERAL GOVERNMENT has done this to us. Making hardworking individuals jump through hoops to repay a STUDENT LOAN. It's crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I attempted to pay off a high interest loan, and was prevented from doing so, see attached letter to Company.

Company response to consumer: Closed with explanation