vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
I am having major issues adding my bank account. It continues to not allow me despite constant check and balances to ensure it is the correct one. 
Please remove any restrictions from my account so I can add my bank account properly. My old one was removed due to it being from XXXX and they are shutting down, so I got a new bank account that needs to be added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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: NJ

Complaint narrative:
I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NJ

Complaint narrative:
I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed 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 explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. 
Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. 
The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a Chex Systems history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.

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 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX, XXXX Account number XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.

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 2021-01-18 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I tried to dispute two individuals transactions with my bank of america they refuse to help me get My money back from XXXX XXXX  company I got scammed by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I got scammed for XXXX dollars bank of america claims department team has refused to give me a refund or credit and the XXXX XXXX company has refused to give me a refund also I got scammed on the XXXX XXXX platform e bought this to My bank attention Bank of America is not helping me get my money back from XXXX XXXXXXXX company bank of america has told me they don't have no dispute rights to get the money back from XXXX XXXX it's going on 2 months now I still have not got My money back from XXXX XXXX company or bank of america

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 2021-01-18 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$10000.00}, {$29000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- PERSONAL LOANS -- 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This 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 explanation
Consumer complaint received 2021-01-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$10000.00}, {$29000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- PERSONAL LOANS -- 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dispute letter was sent XX/XX/XXXX via certified mail USPS for the second time asking Chex Systems Inc to verify this account they have furnished on my report. Chex Systems inc has yet AGAIN failed to provide me with copies of any viable evidence submitted by the BANK account furnished on the report. As I have not heard back from Chex System in over 30 days regarding my notice of dispute dated XX/XX/XXXX I must presume that no proof in fact exists.. I have also made them aware that I have maintained a careful record of my communications with them for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should they continue in their non-compliance. I further reminded them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), theg may be liable for your willful noncompliance.

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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i looked at my credit and my address is not reporting correctly it shows a different address other than my current address. i have sent my current ID and current bank statement to prove my identity.

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 2021-01-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i looked at my credit and my address is not reporting correctly it shows a different address other than my current address. i have sent my current ID and current bank statement to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-18 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Customer service would not help and take care of the negative inquiries reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-18 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: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
At this point my FCRA rights have already been violated. I take my credit extremely seriously. Upon viewing my credit reports I noticed LVNV FUNDING LLC had a discrepancy in the " past due '', " payment history '', " date of last activity '', date of last payment '', " date opened '', " monthly terms '', " account type '', section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX XXXX however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " nothing '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. There is also " payment history '' showing for XXXX and XXXX  which is a violation if this account is supposedly a collection/charge off. XXXX  and XXXX  are also showing a " past due '' amount of {$820.00} which is also a violation since this account is again supposedly a collection/charge off. XXXX  and XXXX are also showing the " account type '' as open account. This account has been reported to collections to my understanding which means it cant reflect as an open account. This is again a violation! I also noticed XXXX  listed " monthly terms '' on my report of 1 month. To my understanding I have no secured loan or anything of the sort with this company so im not sure what " monthly terms '' they're referring to. If this is the same account, reported by the same creditor how are these numbers and dates different?

Company response to consumer: Closed with explanation