vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: NJ

Complaint narrative:
I noticed a few accounts on my credit report I do not recognize

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 2022-02-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: LEXISNEXIS
State: FL

Complaint narrative:
I was trying to shop for car insurance around 15 days back ( XX/XX/XXXX ) and my agent quoted a really high premium which was surprising. He told me that I had an accident on my file that happened in XX/XX/XXXX with my car and that is causing my insurance charges to be high from all providers. 

This accident happened on the car that I own now but I bought this car in XX/XX/XXXX ( 6+ months after the accident date ) and the accident happened with the previous owner but it wrongly shows in my report which is impacting my insurance premium. My agent was able to share a LexiNexis report with me ( reference # - XXXX ) which shows this accident on my report Car details : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) I tried to reach lexisnexis on their customer care and then website but there is no easy way to reach them where I can raise my concern and get the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX with a completed Loan Modification, I have sent the Executed loan modification to them 3 times, its almost 2 months and they are not updating their system.

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 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I went to the emergency room XXXX time in XXXX while I was at the XXXX XXXX I paid the debt in XXXX when I received my XXXX check. I do not recall a XXXX visit to the emergency room.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This was an original that with Capital One, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last XXXX years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1. A small claim in LA Court has been filed with Capital One for providing misleading information on XXXX transaction. The case # is XXXX. Please let me know which person I can serve the legal documents. 

2. On your multiple response, you never explained the voice call I've attached. During the call, the agent from Capital One confirmed with me XXXX is cash transaction and its completed once the money is deposited into the account. 

3. I've been using XXXX to transfer with friends before and never had issues. We can go to the court to request the transcript you mentioned in XXXX XX/XX/XXXX and XX/XX/XXXX. If I wasn't told the wrong information, I wouldn't use XXXX for transfer. Can you please clarify if you believe the attached voice recording is misleading or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TN

Complaint narrative:
My name is XXXX XXXX and XXXX am submitting this complaint myself about continuous violations from Equifax. 

Equifax keep reporting inaccurate information about me without permissible purpose. I have given Equifax written instructions on how to report ANY information about me yet the issues haven't been resolved. 

My name, address, number, etc is reporting inaccurately and demanding Equifax to report accurate information about me, the consumer. 

Furthermore, an account was reinserted by Equifax and want to know what methods were used to make this conclusion. Did the company provide a wet-ink signature to Equifax to XXXX this account with XXXX XXXX XXXX XXXX If so, please provide the relevant information as proof of claim for reinsertion. 

Not to mention, the account is reporting without a balance amount, majority of the fields with the account is blank. How is this so, and please provide proofs of claim as to how this is permissible under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-28 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: BANK OF THE WEST
State: CA

Complaint narrative:
I was charged on for the purchase of male enhancement vitamins and other products. 
I contacted my bank and they refunded the funds but also initiated a dispute. The " other '' company, sent several pages over to Bank of the West which had all of my personal and bank information. They did not have my XXXX #. They confirmed that I did order the products so the bank deducted the funds again I was out of town when this purchase was made so if items were shipped, I wouldn't have been home to retrieve and I never received any type of notification about the purchase. I did not request said items. I went ahead and filed a complaint with State of Florida XXXX. They investigated as well. The company was hard to track as they didn't have a website, email address or phone #. The physical address was for a warehouse in Florida. This is the response from XXXX : " Complaint ID # : XXXX Business Name : Full Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not receive a response. 

The deductions were as follows : XX/XX/2XXXX XXXXXXXX company - XXXX XXXX XXXX FL on XXXX XX/XX/21 {$89000.00} company - GetJAVIProductscom Tel XXXX FL XXXX These amounts were withdrawn using my debit ending # XXXX. I have since replaced this card. This was a scam. I have never used any of these companies for purchases and I would never buy from a company that doesn't have a website, email or phone #. 
Thank you for your time and hope this can be resolved and my I can get a refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
Going over my consumer report I have notice you are reporting XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX on my report. 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any 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.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts.

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 2022-02-28 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

Complaint narrative:
Paypal has closed my account for no reason on XX/XX/2022, and will not help me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I used Paypal very frequently. Also my balance is being held for XXXX months, adding up to a total of {$4100.00}. The email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
My name is XXXX XXXX. I joined XXXX ( formally Transferwise ) to send money to my friend in XXXX. When the money was not received, I contacted XXXX and told my account had been deactivated. I was not given a reason why my account was deactivated just a list for possible reasons. I then filled out forms to have my money returned. i have tried many times but when I got to the last page where I prove who I am with a selfie and ID. The company app won't download the photo. XXXX 's help center keeps saying they are busy try later. There is no phone number to contact XXXX and the app is apparently the only way to contact them. They have XXXX dollars of mine which I want back. I was hoping you would be able to help by contacting them. My XXXX  is XXXX and phone is XXXX XXXX XXXX XXXX. I want to Thank you in advance for your help in clearing this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
on XX/XX/2022 at XXXX pm I called in a wire for XXXX. They told me it would be there Monday. The bank never sent it to me. Goldman Sachs XXXX  Bank never sent it to me. I called a manager up and he assured me to wait till Monday and it never came. It was a WIRE..meaning within hours.. I did it on a Friday and by Monday never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
PENTAGON FEDERAL CREDIT UNION had denied me an extension of credit

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, our Post banking with, BB & T XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX account was compromised by cyber theft and 4 wire transfers were made totaling almost {$75000.00}. This was immediately reported to the bank, but they were not able to stop the wire transfers. We were left with about {$1200.00}. The officers and staff who have access to the account went to the bank on the morning of the XXXX with all available assets we could find and worked with XXXX XXXX to start a new account so that bills could be covered, payroll being the largest. The bank has been working diligently to retrieve our assets and on XX/XX/XXXX we did receive a partial refund from one of the transfers for just under {$19000.00}. When I asked the fraud representative, XXXX, another refund of {$19000.00} was received later leaving us with a loss of {$40000.00}. As of now the Bank tell us there is nothing further, they can do. As a XXXX organization we gather funds to support XXXX and our community and can not afford this loss. We have never used wire transfers. I am filing this for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. 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 2022-02-28 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: GA

Complaint narrative:
There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



Thank You!!!

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 2022-02-28 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: GA

Complaint narrative:
There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



Thank You!!!

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 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I was in the hospital for covid XXXX to XX/XX/21 I have XXXX XXXX insurance and have paid my XXXX deductible to all parties that billed, doctors, hospital, etc. All has gone through XXXX. 
Today I received XXXX collection accounts from XXXX XXXX of Texas XXXX that appear to be trying to double bill me for services rendered by the hospital Doctors. None of the so called XXXX doctors on their list, tended to me, Nor Have I EVER received a bill from them, or has it gone through my insurance. 
I have contacted this collection agency called Online Information Services at : XXXX They are supposedly reaching out to the XXXX XXXX to get a bill to verfy the debt and send that to me. 
They are not only trying double charge for services, Ive already paid through my insurance, they are OVER CHARGING AS WELL! No one at XXXX XXXX 's knows who this XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: FL

Complaint narrative:
The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.

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 2022-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Car purchased XX/XX/XXXX. The car was stolen XX/XX/XXXX and was reported to XXXX XXXX XXXX Police Department and my insurance company. 
The vehicle was paid in full by my insurance carrier on or about XX/XX/XXXX. 
Santander is reporting the vehicle as a charged off account with a balance of {$11000.00} as XX/XX/XXXX. 
This account has been paid and close.

Company response to consumer: Closed with explanation