vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've been going back and forth with EQUIFAX over a month or so now and getting no where. I gave them written instructions pursuant to 15 USC 1681b ( 2 ) but they refuse to do as they're told. I am a private consumer and my reputation is being ruined by false/misleading information. Not to mention, the stress and frustration with every person I speak with, giving me a hard time. They're telling me to send in dispute letters, identity reports, and two forms of identification, which I've done THREE times. I've even fax this information and I will show my evidence as well. I have not given EQUIFAX, nor anyone else, my consent to furnish anything. Furthermore, EQUIFAX quick to ask me to verify myself but I don't know who these people are nor did I give them my consent to furnish any of my private information to/from anyone. That is IDENTITY THEFT. They're acting as if this is their information and I will not tolerate it. When I made a complaint last time on CFPB, they closed it out! Nothing change on my consumer report. XX/XX/XXXX I spoke with someone in fraud department about unauthorized inquiries and they were removed within 24-72 hours. Today, XX/XX/XXXX, XXXX I see they're back so I called to get them removed again, I was given a hard time and the woman put me on hold but never came back. I will not give up until I get my remedy. Now I am attaching a Cease & Desist letter to stop all communication regarding my private information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have had an account opened in my name with TD Bank. 
They had opened a Debit card/checking account. I do not have any account with TD Bank at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery is illegally reporting a 19 year old debt of a XXXX XXXX XXXX XXXX and XXXX XXXX credit card that was opened in XX/XX/XXXX. The law states that after 7 years the debt should be removed off of my credit report ; but Portfolio Recovery keeps reporting it as a new debt. They can not report old debt as new. Ive disputed with them and the credit reporting agencies, but it is NOT getting removed from my credit report. It should not have showed up after XX/XX/XXXX ; however it was just recently reported on XX/XX/XXXX. The removal date keeps changing each time they report it as new. Please help me get this debt removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western Collection Bureau, Inc.
State: OR

Complaint narrative:
Monday XX/XX/XXXX, XXXX XXXX, I received a call that rang once and then went to voicemail. The number on caller ID is XXXX. The message said " This is Western Collection Bureau. We are attempting to collect a debt. Please call XXXX. '' I saved a screenshot of the call log. I also saved the voicemail message, which had the number to " please call ''. I have received other, different, fraudulent " mystery collectors '' with no known debt, about a year ago. This is the first call, on an unknown debt, if any. I challenged a medical lab on digging up an old, outdated bill for {$20.00}, from a year before ( 2019 ), after finding my XXXX, and sending it to me. It stopped sending me bills. Therefore I guessed that it was either a {$20.00} old, challenged lab bill, a minor, invalid collection attempt with nothing in writing, or a fraudulent phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name, therefore this credit reporting agency has been allowing these debt collectors to report on my credit file without them properly obtaining judgement or proof of verification of judgement, nor submitting a public filing via UCC-1 with the Secretary of State. I have provided plenty of notices/Affidavits with lots of evidence to TRANSUNION but they continue to report accounts that supposedly were verified by alleged creditors when I am IN FACT THE ORIGINAL CREDITOR AND CONSUMER and they're letting my score go down significantly enough to damage me and my reputation. 
TRANSUNION has also not provided me with the remedy I am entitled to for all violations committed. This is my last warning before I proceed to bringing legal action against them.

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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
I applied for a bank account with HSBC using a promotional link on XX/XX/XXXX. The bank is claiming that I did not sign up via this promotional link and they are unwilling to pay my bank bonus, even though I have met all the requirements. This is common for this bank in particular. The link I applied via is listed below, and I have screenshots and a print out of the offer. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Total Card, Inc.
State: FL

Complaint narrative:
The company Total Bank Card XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged. 

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my credit score and not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Problem : Wells Fargo Bank loss of an account in their system and no longer able to access 5 accounts online. I have had online mortgage banking with Wells Fargo since XXXX and had online access. I am going through XXXX and working with two estates so online banking is important. I had two accounts with one estate and opened a third account in XX/XX/XXXX. I open two more accounts on XX/XX/XXXX. On XX/XX/XXXX I had tech support help because one account was not visible. All my accounts were then wiped out on the system and I could not get online. I'm only receiving paper statements for two of the 5 accounts. I was sent to branches twice and the employees couldn't find the account with. The money is needed in all these accounts for taxes and other expenses. I could write checks on some of the accounts but this doesn't always help. I can not close or transfer all the money because they can not find the accounts and merge errors in profiles. I am told 9 day to solution and then another 9 days for a solution and it goes on and on. I am sent to branches with appointments needed, exposed to covid, and immune compromised. I have requested help on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no solution to the problem ... ..while dealing with 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 monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an account with XXXX XXXX XXXXXXXX XXXX that continuously reports on my Equifax report and it's a very old account and should not be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am lock out of a reporting credit reporting agency, because I fail to pay a bill that I had cancel on XXXX of 2019. and the credit agency remote voice will not allow me to speak will a customer rep. to clear this up.

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 2021-08-23 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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-08-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Nissan Finance for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is a written notice to XXXX XXXX who acts as COO of XXXX XXXX XXXX  that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission. I rescind all signatures, endorsements, and consents of the use of my information there of. My right to privacy has been violated, certain disclosures about the interest of my own goods were not given to me, and conspicuous disclosure about the finance charge was not given to me. I demand all payments, and money be returned by check, I also demand the cancelation of my contract with you, and everything stated above mailed to the address of XXXX XXXX in good faith.

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 2021-08-23 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: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
University Accounting Service, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: NJ

Complaint narrative:
I checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: NJ

Complaint narrative:
I checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are multiple inquiries on my Credit Report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have an account with PayPal since 2001 and it is in good standing. I made a purchase from XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX for {$99.00}. I used Paypal for the payment to protect me from fraud. When the item didn't arrive, I contacted the seller but their website and email was no longer working. I made a complaint with PayPal but my case was declined because the seller provided XXXX tracking information. I noted that the tracking information showed the weight of XXXX lbs when the weight of my purchase should have been more than XXXX lbs. I also learned that PayPal has been aware of this scam for several years. The scammer purchases a shipping label and then alters it with a different delivery address with the same town and state. I attempted to escalate my complaint and PayPal agent told me to obtain a delivery confirmation from XXXX. PayPal KNOWS that XXXX can not provide a confirmation of delivery address to me because I am not the shipper. My agreement is with PayPal, and PayPal must provide me with confirmation of the actual delivery address or refund my purchase. That is part of PayPal buyer 's protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Goldman Sachs Marcus randomly closed my account on XX/XX/2021 for no reason, wouldn't tell me why. I had about { {$2000.00} } in the account, was going to move in more. I hadn't done anything with the account, so it was very confusing. They wouldn't provide any information " for security purposes, ''. They sent me to my linked bank to recall the funds which i was told is not possibe because it was not a debit /credit card transfer - this whole unfortunate turn of events is causing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MI

Complaint narrative:
I have sent several certified letters to get charged-offs and collection accounts deleted due to factual information submitted to the credit reporting agency from my name being incorrect, address incorrect, date of last activity different on all three bureaus, account numbers different and more. They did nothing but sent letters stating that the information was verified. I even sent a method of verification letter and I did not get a response to that from anyone. Therefore, I have no choice but to go this route to see if I can get some type of results.

Company response to consumer: Closed with explanation