vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, I made a purchase on XXXX for a pair of hair clippers. I have yet to shipping information or the product causing me to feel it was an internet scam. I was provided an invoice and order number through Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have attempted to reach out to Wells Fargo on several occasions over the past month to resolve issues with my account. Each time I contacted Wells Fargo I had to provide/answer many identifiying questions including and not limited to social security number, date of birth, address, telephone numbers, work number, credit card number, credit secuirty code. I made Wells Fargo aware that I can not remeber any verbal password I provided and want this feature removed from my account since I do not recall giving a verbal password and do not want to use this feature ... To date Wells Fargo has refused to take any calls and allow me to use the account. 

Wells Fargo has refused to remove or allow me to change the verbal password and refusing to resolve the verbal password issue thus delaying use of my account. 

I believe Wells Fargo engaging in this deceptive discrimintory practice to avoid allowing customer to negoiate payments during the pandemic. I want the CFPB to enact and pass laws that allows consumer to opt out of using verbal passwords and prevent Wells Fargo from using this feature to block consumer from using and accessing account information.

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted to unfreeze my credit with Equifax, and they required that I mail documents to them. After I did so, I did not received a reply of any kind, in writing or digitally, from them. My online " myEquifax '' account continues to be locked out, and my credit frozen. It has been over two months since the request was submitted, and they calling them on the phone has been less than helpful, as I have either been unable to get through, or the agent on the other end hasn't been able to resolve my issue. 

It is starting to feel like an obstructionist tactic to push people to sign up for paid credit locks, by making the process to unfreeze a credit account slow, frustrating, and cumbersome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
First, I am a XXXX Senior with high underlying medical issues that is a HIGH RISK for the Corona Virus. CDC advised people of XXXX with High-Risk Medical Issues to stay at home. I filed a dispute of charge with Paypal but will not assist with the issue. Although the Pandemic Virus is deadly for me and no specific XXXX XXXX Policy for issues like this. I've had to skip monthly payments due to no additional funds coming in for me and creates a financial hardship. XXXX XXXX should refund the money on my Paypal Smart Connect Account because they are placing my life in danger to keep their revenue. 
Normally, I do not fly but wanted to participate in a Family Vacation. 
On XX/XX/2020, I placed reservations from XXXX to XXXX XXXX, CA for a cruise but there were more Senior citizen deaths, and more people diagnosed positive for the virus. I called XXXX XXXX to see how they were handling reservations with unavoidable issues. On a fixed income with a medical issue such as XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, and mainly respiratory issues. I needed to cancel the flight and cruise ... unfortunately I would have lost over XXXX for the cruise and XXXX for the flight, Therefore, XXXX XXXX offered one option and that was a discount on the flight. There {$200.00} they could have refunded but would not so place it to be used on a future flight. I explained I do not fly so it would not benefit me but they would not refund it. On today XX/XX/2020, XXXX canceled the cruise because it wasn't safe for the XX/XX/2020 cruise. Fortunately, XXXX cared more about their customers and provided 2 options. I decided to request the second option of which 100 % refund. I do not understand why XXXX XXXX does not assist its customers, especially Very High-Risk Medical Issues. XXXX XXXX would rather risk the customer 's life than lose their bottom line/revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I disputed XXXX XXXX XXXX and SCA Collections on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from SCA Collections even telling me they will delete the negative item from credit file.

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 2020-05-04 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
XX/XX/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman called 3 lenders and received approval from one. 
I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one inside ) and my wife, XXXX children and I needed a vehicle at that time. 
A week later, my bank paid off the loan and still hold the title. 
I would like the 3 inquiries removed from my credit report. 
I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman cal

led 3 lenders and received approval from one. I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one insid e ) and my wife, XXXX children and I needed a vehicle at that time. A week later, my bank paid off the loan and still hold the title. I would like the 3 inquiries removed from my credit report. I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.

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 2020-05-04 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-05-04 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-05-04 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:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TX

Complaint narrative:
ftc violations XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax reporting all the violations with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: NM

Complaint narrative:
I disputed this item last mont, and it was recorded as verified but ... 
simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' this account with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

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 2020-05-04 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

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 2020-05-04 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: TX

Complaint narrative:
ftc violations XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX 3000 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting all the violations with experian

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 2020-05-04 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: TX

Complaint narrative:
ftc violations XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting all the violations with experian

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 2020-05-04 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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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: GA

Complaint narrative:
XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
purchased a sofa and piece of carpet, from XXXX  XXXX, financed through acima credit llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX with {$720.00} listed as cash price, not incl monies paid in the store. I was informed, I would be contacted to let me know when my 90 days was near to payoff, no such contact was made, instead, I've been charged {$120.00} a month since XX/XX/2019, with paying over {$800.00} to date, not incl the early payoff, made this month totaling over {$600.00}, and the company is still charging to date the every two week amt of {$61.00}, after doing a payoff, complete racketeering .I am completely disgusted and would advise, No one to deal with these crooks. Had I chk XXXX  site first, I would have never purchased anything through them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AZ

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT 5+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF EDXXXX XXXX., DEPT OF EDXXXX  XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX OF XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}

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 2020-05-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}

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