vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: NC

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Transunion. I am an authorized user on my wife 's XXXX XXXX, I believed there was an incorrect late payment reported and asked to have reviewed. Transunion never did an investigation they just removed the account from my credit file. I reached out to Transunion and was advised that XXXX removed it and would have to add it back, I called XXXX who verified there was no request of investigation ever sent to them. I spoke again with Transunion who declined to add the tradeline back to my report. 

Transunion has no statement anywhere I can find regarding authorized user disputes and if you dispute an item they just remove the tradeline. My credit score dropped +35 pts due to this. I am currently in the middle of purchasing a home, the consequences are severe.

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 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
i have a common name and was told by trXXXX XXXX and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I bank with TCF Bank I had a a positive balance close to XXXX dollars on XX/XX/2021 I made a purchase for groceries That day to have them delivered on Friday the XXXX. What should have happened was the amounts of XXXX dollars and XXXX dollars and some change should have been posted on Wednesday the XXXX key word posted. My account was still a positive {$200.00} by Friday there was a deposit from my work which was XXXX. On Friday the XXXX I had a withdrawal of XXXX dollars from the ban. Also a purchase for XXXX of XXXX a a transfer into a new checking account of XXXX dollars. On Friday I should have had a balance of XXXX dollars in my checking account. I also XXXX  money to a friend for XXXX on Saturday. XXXX purchase of XXXX dollars transferred funds transferred XXXX dollars to my primary account to cover the cost of XXXX. I also transferred another XXXX from my secondary account to my primary account. and my last transaction was a XXXX transfer of XXXX. I should be at a positive XXXX Today. I can provide my banking information to you upon request. This not the first time this has happened. I am requesting that they stop with the excessive overdraft fees and they return money back into my account and correct the balance to my checking account. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 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: NC

Complaint narrative:
I attempted to dispute the addresses on my file because I have never stayed at the locations they have listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have been locked out of my Robinhood account since last XXXX. Numerous attempts ( documented ) have been tried to resolve this matter to no avail. I am blocked from my online account as Robinhood requires they send an SMS ( text ) code to my phone. My phone does not receive text. After several attempts asking them to send the " code '' to my email address, they simply stop communicating with me. I want to close the account but that requires a signin which I can not do. They have asked for driver 's licence and passport images which : 1 ) Were not necessary when the account was opened and money transfered to it. 2 ) Is a violation of my personal information as they have nothing to compare that information to. As you will see several other account holders have the same issue as I according to the XXXX  documation ( I hope to attach ). This is fraud on a grand scale which the SEC ( remember XXXX XXXX? ) fails to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Yes ik just a letter from the same company that j filed a dispute against they closed my card because I contacted you all about them double charging me. So they closed the card without me knowing I pay my bill well to them a matter of fact early and on time. They closed my card account and sent me a threaten letter because I caught them cheating me and I told them that is legal and I will file a complaint on them I did and they close the card without me knowing it and sent me a threaten ing letter from their advocate department they did not offer to give me my money they double charge me for each month. So I checked my mail the other day. They have put false charges on my bill statement that I never heard of in my life! This company have forged false and fake charges on my bill. I never heard of a company by such s name!!! It is Called ( XXXX XXXX XXXX XXXX credit. I never heard if such and anyways j never got cash with this card only Walmart food or item or goods no cash. And they got a false fate charge of ( XXXX ) something is wrong very much wrong with this company. They they can get away with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2021, Paypal transferred the amount of {$6700.00} without my consent.

I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. I need Paypal to return my money immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Capital One is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Capital One is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Capital One is in violation of 15 USC 1692h

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The attached letter was written by myself attention to Experian Disputes. In addition to the letter, I submitted several notified documents regarding a bankruptcy listed on my credit report that is not mine. The initial dispute they initiated regarding the bankruptcy, for which I did not ask for is dispute # XXXX. I instead asked Experian to provide me with the information as to where they received any bankruptcy information listed with my name. The attached letter I sent to them was the dispute I then attempted to initiate. 

I then received notification that Experian accepted this certified letter and attached documents, and instead of escalating and initiating a dispute on my behalf with the certified information I sent to them regarding this bankruptcy listing, based on all the information I sent via certified mail, Experian instead fraudulently opened a dispute on a credit card account that is listed on my credit report ( XXXX XXXX Credit Card ), for which is in good standing, and that I DID NOT ask for. I have called several times in order to attempt to speak with a supervisor to find out how this error occurred, and all representatives tell me no supervisor is available. Not only did they not initiate my dispute as requested to solve the issue of the bankruptcy being listed, but they initiated a different dispute in its place for which I did not ask.

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 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
i have a common name and was told by XXXX. XXXX, and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
I am a victim of fraud and identity theft, I have been disputing fraudulent accounts for years now. I have sent in police reports to each credit agencies and have not been successful in getting the fraudulent information removed. They have taken things off and put them back on again. I have done everything on my end to resolve this issue which is ruining me getting loans, a home and credit. This is a ongoing issue with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
i the consumer sent Experian a debt validation letter certified mail pursuant to 15 usc 1692g they received XXXX. in regards to inaccurate accounts reported by merchants and medical and XXXX XXXX XXXX who i also sent debt validations to certified mail. inaccurate inquires from companies i have no business with. Also the personal information listed on this consumer report without my written consent pursuant to 15 usc 1681c-2, This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate.

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 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2021 in the evening I went to a nail shop called XXXX XXXX  to get my nails done for my graduation. Within less than 12 hours my nails were ruined none of the stones stayed on and to top it off she messed up my gel. I contacted the nail shop as soon as they opened on XX/XX/XXXX ( the day of my graduation ) to see if they can get a more qualified mail tech to do them right ) and spoke with a young lady who refused to let me speak with a manager stating they dont have one in that day. I called over 4 times for her to give me that speal and she hung up on me and I was so angry because my graduation was at XXXX. During my graduation ceremony they had the nail tech who did my nails call me from her cell phone number stating how shes been doing nails for years and telling me how I shouldnt have gotten stones. Maybe she shouldnt have taken a request she couldnt do they refused repeatedly to let me speak with a manager for a refund. I filed a dispute with XXXX  about this and they rebilled my card stating the merchant lied and told them I never contacted them about the issue. I called in and had them re-open the dispute and submitted my phone records directly from XXXX showing the numerous calls I made, and the incoming call from the nail tech as proof that theyre lying. Woke up again today to See XXXX  rebilled me for the amount again with the same lie The merchant stated you never contacted them. This is absolutely ridiculous you have solid proof that is a lie. XXXX  doesnt actually investigate or use their brains for a dispute they just take the merchants word as XXXX despite having solid evidence in their faces!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
Please update all of my personal information on Equifax, XXXX, and XXXX. 


My only name is XXXX XXXX. 



My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX My only employer is XXXX XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
During the summer of 2017, I purchased a phone from XXXX XXXX, and it got stolen and I reported it stolen, and XXXX proceeded to activate the stolen phone for someone elses account and proceeded to keep charging me for that phone even after they told me I wouldnt be responsible for the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello there are accounts there I disputed that was not verified as mine nor I do u recognize them. There are four accounts from the date of XXXX XXXX, there are two account with the date of XXXX XXXX both connected to US Dept of Education. I contacted the creditor and they could not provide me with any signatures by me agreeing to any to loan therefore these items has to be removed immediately. I am not working with a third party, this is only me XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
I submitted disputes and an FTC report for a fraudulent account and hard inquiry. 

Equifax : Account - 1st Pt {$650.00} Hard Inquiry - Credit Plus XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: OK

Complaint narrative:
EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
I received an email ( XX/XX/21 ) from a XXXX XXXX stating that she is doing business as XXXX XXXX XXXX ( Speedy Cash ). The email states that I have committed fraud and am subject to a court hearing. They also threaten to contact my employer. I am to contact the following address via email : XXXX The instructions states than I am to email " us between working hours XXXX to XXXX '' There is no phone number to call. 

I have not used this company for a payday I am currently working with several day payday loan companies. This is not one of them. 

According to the email, I have late payment costs of {$100.00}, interest costs of {$63.00}, an account value of {$580.00} and a total debt of {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
I am a victim of fraud and identity theft, I have been disputing fraudulent accounts for years now. I have sent in police reports to each credit agencies and have not been successful in getting the fraudulent information removed. They have taken things off and put them back on again. I have done everything on my end to resolve this issue which is ruining me getting loans, a home and credit. This is a ongoing issue with the credit agencies.

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 2021-08-31 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 checked my consumer reports and i the consumer seen that there was accounts on my report that i did not give consent to be open under my personal 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