vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 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: GA

Complaint narrative:
As a result of the credit inquires below in violation of the FCRA Sec. 604, I have contacted Equifax and XXXX Credit Bureau. However, the issue has not been resolved. I explained that I was not aware of these inquires, but they still refused to renovate them. I contacted XXXX, who removed them immediately. Could you assist me in removing these XXXX inquiries? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX Phone XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX GA XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: GA

Complaint narrative:
For months, I have been disputing items that are 100 % incorrect and have not been proven using the law thus far. 

The major 3 credit bureaus. Transunion, XXXX and 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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For about a year now, I have not only had inaccuracies on my credit report, but I am also having issues receiving an updated credit score/account info from Equifax. Account status and balances are incorrect, and causing further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: NJ

Complaint narrative:
This account was placed during COVID-19 2020 eviction moratorium and should be removed. Can you assist in removing this account from my credit file 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 2021-11-07 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: GA

Complaint narrative:
HI, PAYPAL YOU TOLD ME MY MONEY WILL ABLE FOR WITHDRAW ON XX/XX/XXXX OR BEFORE. 

I NEED PLEASE HELP ME TO ENABLE THE OPTION FOR ADD MY NEW BANK ACCOUNT FOR WIHDRAW FUNDS. 
WE ALREDY HAS A COMPLAINT BEFORE PAYPAL XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau Complaint No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For about a year now, I have not only had inaccuracies on my credit report, but I am also having issues receiving an updated credit score/account info from XXXX. Account status and balances are incorrect, and causing further issues.

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 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from penfed credit union. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Penfed has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Penfed has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold penfed criminally and civilly liabel. Attached to this complaint is the adverse action form from penfed. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and PENFED CREDIT UNION to move forward with this complaint.

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 2021-11-07 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: OH

Complaint narrative:
on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to experian and XXXX. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no response.

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 2021-11-07 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: NJ

Complaint narrative:
This account was placed during COVID-19 2020 eviction moratorium and should be removed. Can you assist in removing this account from my credit file 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 2021-11-07 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: NJ

Complaint narrative:
This account was placed during COVID-19 2020 eviction moratorium and should be removed. Can you assist in removing this account from my credit file XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I'd like to request CFPB ' assistance resolving an on-going fraud protection investigation case with American Express Bluebird in the amount of {$2100.00} in fraudulent online charges I incurred on my Bluebird card on XX/XX/XXXX and XX/XX/XXXX, that appears hopelessly stuck in AmEx 's recurring, on-going investigation process. 

Further, Amex has zero adherence to their most basic fraud protection provisions defined in their user agreement, which states Amex will provisionally credit the fraudulent charge amount within 10 day 's of opening the investigation if the investigation requires additional time. I asked Amex CR representatives about this provision and they verbally acknowledge they don't comply with their written policies, which is disturbing because AmEx advertises fraud protection as a selling point. 

Event history below : - XX/XX/XXXX & XX/XX/XXXX, I incurred over {$2100.00} in fraudulent online charges on my American Express Bluebird card. One of the fraud charges included a very large overseas online purchase from XXXX in XXXX XXXX for {$2000.00}. For some reason Amex apparently doesn't trigger fraud alerts on large, overseas online purchases out of XXXX, which Amex couldn't explain. 

- XXXX : I notified Amex about the fraudulent charges after I logged onto my account and immediately called AmEx 's fraud protection number to initiate an investigation - XX/XX/XXXX : Amex declined all fraudulent charges. Although each fraudulent charge was disputed as a separate claim, Amex declined all because they intercepted a single fraudulent purchases before it shipped - because the merchant was going to refund that item, they said they had to decline all fraud charges and directed me to reopen the exact same claim again for the remaining items. 

XX/XX/XXXX : I reopened the same claim per Amex 's recommendation ( minus the one item Amex was able to intercept as mentioned above (. I asked Amex about the 10 day provisional credit because I have to pay my household bills out of this account, which they said they would apply if the investigation isn't resolved in 10 days. The provisional credit was never applied XXXX : Amex again declines all fraudulent charges because one of the smaller purchases for approximately {$50.00} ended up being a legitimate purchase but the merchant id was mis-labeled in Amex 's transaction detail as PDF which was a completely unrecognizable vendor. All other legitimate fraudulent charges were declined as a result. 

XXXX : Reopened the claim again per Amex 's recommendation minus the single item mentioned above. 

XXXX : Called AmEx requesting for an update on the investigation and the provisional credit as it's been over 60 days since the original claim was submitted but Amex had no update and suggested I keep waiting, which is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07 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: VA

Complaint narrative:
I sent a request to EXPERIAN, XXXX on XX/XX/2021 for Validation of the following collections account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and received a response with no proof that the debt which is a clear violation and against the law. They are reporting inaccurate information. Delete following account immediately for violating my FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) :

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 2021-11-07 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: VA

Complaint narrative:
I sent a request to XXXX, TRANSUNION on XX/XX/2021 for Validation of the following collections account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and received a response with no proof that the debt which is a clear violation and against the law. They are reporting inaccurate information. Delete following account immediately for violating my FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) :

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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST
State: IL

Complaint narrative:
In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!

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 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX I have purchased multiple commercial lawnmowers for our XXXX XXXX XXXX. I have had repeated issues with the lawn mower, that the manufacture would not support even though it was under warranty. This was a large purchase around XXXX for the lawnmower. I have also tried to reach out to Synchrony Bank as well for support with no resolution. The lawnmower was unusable and after a few years I stopped making payments. The lawnmower was about 80 % paid off already. I stopped making payments around XX/XX/XXXX. Synchrony / XXXX is still being reported on XXXX XXXX XXXX. I have multiple times contacting the credit bureaus and they refuse to remove this outdated derogatory item.

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 2021-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Im closed on my home on XX/XX/2021 and the first payment was due on XXXX to XXXX XXXX, I made the payment to XXXX XXXX on XX/XX/2021 and on XX/XX/XXXX I received a letter from XXXX XXXX stating that they had sold my loan to Pennymac on XXXX but that they failed to send me notice on time, and that any payment would be forwarded to my new loan servicer Pennymac, after almost 4 months Pennymac hasnt received the payment I made to XXXX, I have explained the situation to Pennymac and send them all the supporting documents theyve asked, prove of payment to XXXX XXXX, today I received an alert from XXXX credit report that Pennymac had flagged my account delinquent, Pennymac continues to harass me and every time they call I have to explain the situation, they promise they would take care of this issue and not report any lake payments to my credit report but they still did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 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: WI

Complaint narrative:
I contacted this bureau serval times informing them that upon review of my credit report i noticed that there were inaccurate and incorrectly reporting inquiries that i DID NOT consent to nor authorized. Yet these inquires still remain on my consumers report. 
XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2021-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I found the company through XXXX XXXX and applied. I received hundreds of emails, texts and phone calls that I was approved but needed to send documents to finalize. I provided all the proof. They ran my credit- a hard hit and said I need a co-applicant. Their advertising and emails are all lies and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XX/XX/2021 CAINE & WEINER HAS PLACED A NEW COLLECTION ON MY CREDIT REPORT AND I'M CURRENTLY MAKING PAYEMNTS TO THE ORIGINAL AGENCY AND BY LAW THIS IS VIOLATION OF MY RIGHTS AND 2 COLLECTIONS CAN NOT BE HONORED CAINE & WEINER SHOULD NOT HAVE MY INFORMATION TO REPORT FALSE DEBTS AND DAMAGE MY CREDIT AS THIS IS DEFAMATION OF CHARACTER AND I HAVE PROOF OF CURRENT PAYMENT, I HAVE REQUESTED INFORMATION AND HAVE NOT RECEIEVED ANYTHING BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: GA

Complaint narrative:
For months, I have been disputing items that are 100 % incorrect and have not been proven using the law thus far. 

The major 3 credit bureaus. XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had my wallet stolen with all of my information in it including, Social Security card, XXXX card, credit and debit cards, driver 's license, medical insurance cards, everything. I spent all day yesterday trying to close everything, since I learned the information was on the black web immediately. Experian refused to freeze my account without my buying an expensive monthly protection plan. The other two companies froze my account. The most Experian would do is put a fraud alert on the account without money. 

I've had to close my bank accounts, call credit card companies, everything. 
I was unable to reach Experian by telephone, because it was the weekend. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-11-07 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: OH

Complaint narrative:
on XX/XX/2021 XXXX XXXX XXXX reported an unauthorized inquiry to XXXX and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies and XXXX XXXX XXXX on XX/XX/2021. no response.

Company response to consumer: Closed with explanation