vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent Inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any Inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of Inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX  Account # : XXXX Balance : {$15000.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$21000.00} Open Date : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: ME

Complaint narrative:
This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.

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 2022-11-10 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.

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 2022-11-10 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: U.S. BANCORP
State: OR

Complaint narrative:
i had sent letter a letter requesting removing a charge off! under! the statute of limitions for the the state of oregon which 6 years! the charge off was with us bank in XXXX XXXX XXXX under 15 us code 1681d us must remove the charge off!

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 2022-11-10 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: ME

Complaint narrative:
I saw inaccurate information on my credit report. XXXX XXXX XXXX  is showing a late payment remark. I was never late on this account. I always pay my obligations on time.

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION
State: PA

Complaint narrative:
I submitted this complaint in XXXX : Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account. 

The company replied in XXXX and gave me a number to call. However, the number is not active and says its local to XXXX. When I try calling them, they tell me theyre having problems with their system and cant view my account. I tried emailing but they just told me to call customer service. Basically, theres STILL no way for me to talk to an actual person who knows anything and I have little time left to enroll in the Account Liquidation Program they finally submitted to. 

Also, I repeatedly over the last few months or so ( as long as I have been having issues with them enrolling me in this program and straying payments ) have asked the company to stop reporting my missed payments to the credit bureau and adding interest to my account. However, they are still doing this and its further ruining my credit score. I once again ask that I get a phone call from an actual person who has knowledge of this situation and for them to rectify the reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a Credit Card with Capital One ( Card Ending with XXXX ) and have a 0 % Balance Transfer. On my Statement, I see the Promo Purchase in XXXX, along with Percentage Rate ( 0.00 % ) Balance Subject to Interest Rate ( {$1900.00} ) and interest Charged ( 0.00 % ) Nowhere does it show the Expiration Date of this Promo Balance. Not online or in my statement. I have called EVERY MONTH after receiving my statement and explain the same complaint to no avail. Every other Card shows when the promotion expires, which leads me to the belief, that Capital One hopes that date will be MISSED They have no problem supplying the following information Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged Credit Limit Available Credit Cash Advance Credit Limit Available Credit for Cash Advances As well as Payment Due Date New Balance Interest Saver Payment Minimum Payment Due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute in the Equifax website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX to XXXX  XXXX  ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education. 

My credit report with Equifax shows I have double the amount of student loans : the actual open accounts and balances with XXXX ( reported correctly ) plus duplicating the same loans as open and with the corresponding balances with XXXX  XXXX. Reporting my student loan accounts with XXXX  XXXX as open with the original balances instead of {$0.00} balance and that they had been closed and transferred as XX/XX/XXXX is clearly a reporting error. Equifax contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. 

It is impossible that XXXX  XXXX reports that I still have open student loan accounts with them and their corresponding balances. All my student loans were paid off and transferred to XXXX on XX/XX/XXXX as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: WI

Complaint narrative:
XX/XX/2022 I sent TransUnion a dispute letter demanding to remove 3 accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXXXXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with XXXX and XXXX and same accounts, except XXXX has a account XXXX XXXX {$840.00} that I also demanded to be removed.

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 2022-11-10 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: EQUIFAX, INC.
State: ME

Complaint narrative:
This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I received a debt collection from you for Paypal & the Reference # XXXX for {$55.00}. We have a pay pal card & Account which everything I owe goes on the paypal account & I have no idea what this charge is for & wonder why it wasn't submitted to my paypal account. I will pay it if I owe it but I have no Idea what it is for?? 

Reference # XXXX & Account # XXXX Please respond to XXXX with the information requested! 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
I lived in XXXX XXXX during the pandemic. XXXX XXXX on XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and restaurants were shut down. I could not work or pay rent. A shelter in place order was in affect and I used this to keep a roof over my head. I was in direct communication with my leasing office during. After my lease was up, I moved out, I lived in my new location for two years. I found a couple weeks ago that the unpaid rent was sent to collections 2 years prior. I never received any notice about it. The original amount {$11000.00} for rent and move out fees. They kept my deposit. The amount is now {$12000.00} after collections late fees. My issue is that I am now trying to buy a home, permanent and safe housing. This amount is on my credit report and keeping me from getting a mortgage. I do not think that debt incurred during a pandemic should be held against me for future endeavors. We were all in impossible situations and it should not keep us from moving forward. I understand that the amount still may be due, but I should not incur a credit hit. I have spoken with the collection company and they refuse to work with me in any 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reached out to a company called 5 Star processing. That claims they can post tradelines to your business profile to build business credit report. They are calming they place a tradeline with Equifax business and credit safe. After 4 months. No information was posted on my account. I called Equifax and Credit safe to ask if the information has been posted. They have stated no. After several conversation with the owner XXXX he has assured me the information has been posted. I called the two firms again and they have stated no tradelines from that company has been posted. I reached out to XXXX again and notified him that I would report this fraudulent business to the FTC, and the Attorney General I have also spoken to the customer service representatives concerning the issues which prompted XXXX to call me. He has stated that there was an issue with their back system, and he just learned that no business owner tradeline has been reported for months and he was not aware. When I asked him when the information would be posted. He stated within the week. after 4 months I have learned that in over a year this company has frauded many business owners who were promised a service and services were never rendered. No services were rendered. and this company has no afflation or business dealings with the companies mentioned. Its all a scam. Here is the website https : XXXX. Also Here is the XXXX channel of their posting and the person that is recommended them. I later found out she is part of a fraud as well. You will be able to look up her name. She has been reported by thousands for her financial crimes. Her name is Real name XXXX XXXX ster is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have lost {$500.00} during the time I have been associated with this company. And 1000s of other clients have lost more. We need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. 

I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. 

The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. 

I believe that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. 

On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me.

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 2022-11-10 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Professional Debt Mediation opened 2 accounts on my credit report on XX/XX/XXXX for the amount of {$5500.00} and {$1900.00}. These accounts have been reopened for the same account on XX/XX/XXXX. I reached out to the company and have received no explanation. I have disputed these accounts because they were included in a bankruptcy years ago. This company was notified that they were included in a bankruptcy At this point I feel as though this Collection Agency is just targeting me. Something has to be done to stop this. I am asking that these 2 accounts be removed from my XXXX, XXXX and XXXX XXXX XXXX 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe that this agency has violated this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After several attempts to get my profile open. Equifax has refused to open my credit report to see information that affecting me. I have mailed the requested documents with a tracking number from the post office, and they have refused to open my report so that I may see it online. Here is the tracking number to the profile XXXX XXXX. The requested documents were received by Equifax services LLC on date XX/XX/XXXX at XXXX. Equifax has claimed to not have received the documents again. I have also faxed over the documents and Equifax has claimed to not have received these documents. After 6 months of my file being locked. Equifax is illegal keeping me from accessing the information on my account or giving me any information on my account. I am now ready to pursue legal action against Equifax and its partners for the damages that are now occurring on my report and my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I saw inaccurate information on my credit report. XXXX XXXX XXXX is showing a late payment remark. I was never late on this account. I always pay my obligations on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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