vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: VA

Complaint narrative:
Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXX XXXX XXXX ( multiple ), XXXX XXXX ( multiple ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.

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 2021-05-29 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXXXXXX 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 2021-05-29 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:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: DISCOVER BANK
State: CO

Complaint narrative:
XXXX - repeated issues and internet communication with the XXXX XXXX  AND MALWARE PROGRAM Representatives. 

XX/XX/XXXX - I CANCELLED AND UNINSTALLED THE PROGRAM ON MY XXXX XXXX XXXX. MY LAPTOP WORKED PROPERLY AFTER UNINSTALLING THE XXXX PROGRAM. 



XX/XX/XXXX - I RECEIVED A DISCOVER CARD LETTER DATED XXXX XXXX THAT DISPUTED MY DISPUTE OR MY PROOF OF CANCELLATION AND NO USE OF XXXX. 

XX/XX/XXXX - I SPENT 32 MINUTES TALKING WITH A REPRESENTATIVE NAMED XXXX WHO ANSWERED SOME QUESTIONS ON THE MICROSCOPIC CHARGEBACK OF THE {$130.00} XXXX. SHE SAID " 3RD PARTY ACQUIRORDER AND RECURRING CHARGE. SHE SAID DISCOVER NEEDS CANCELLATION CONFIRMATION FROM XXXX. '' XX/XX/XXXX - I PAID DISCOVER CARD {$64.00}. 

XX/XX/XXXX - MY LETTER TO DISCOVER CARD REGARDING THE XXXX LAB {$130.00} PROOF OF CANCELLATION. 

XX/XX/XXXX - DISCOVER DID NOT APPEAR TO UNDERSTAND I HAD CANCELLED THE XXXX XXXX XXXX PROGRAM. 

XX/XX/XXXX - IT DOESN'T TAKE A XXXX LAWYER TO SEE THIS ITEM WAS CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2021, I called XXXX to open a new phone line. They sent me several online forms to fill out to open the line. Unbeknownst to me, one of these forms was a credit card application for a XXXX XXXX Card through Synchrony Bank. I never asked for this application, no one told me they were sending me a credit card application and it was not clearly labeled as a card application. Once I submitted, it said I was approved for a credit card. I immediately called XXXX and told them I hadnt meant to apply for this card, that their solicitation was deceptive and that I wanted them to cancel my application and remove any associated inquiry from my credit report. The person with whom I spoke said that they had resolved this, but today I received the card and the inquiry is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion will not update the exact accounts as that XXXX  has. It's fraudulent activity that Transunion is not updating all the accounts on my credit profile which are current and never late. XXXX  update score by approximately 50 petcenr.with the same accounts that on Transunion. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.

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 2021-05-29 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: CA

Complaint narrative:
Portfolio Recovery Associates continue to call trying to collect on a discharged ( bankruptcy ) credit card debt. This is harassment and needs to stop. This company is known to buy debt ( even known to be discharged and no longer owed ) and harass people until the finally give up. I have told them this is not owed and do not call. They continue to call and only care about money regardless if it is owed or legal for them to pursue. This is unacceptable and MUST STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a PRE-ACTIVATED Home Depot credit card. The card was activated by others without my knowledge, consent, or authorization. In my opinion, the pre-activated card presumptuous and deceptive. The pre-activation without the card holder 's knowledge and consent poses a security threat. If I want the card activated, I will do so myself. Any benefits claimed by the card issuer to do out weigh the security risk the pre-activation creates. Is this legal?

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 2021-05-29 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: GA

Complaint narrative:
XXXX, XXXX, Transunion have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a 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 2021-05-29 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:
Equifax, XXXX, XXXX  have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX  and XXXX  to remove these off my report and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I wrote a {$30000.00} check from my Wells Fargo checking account to XXXX XXXX.This check was intended to be deposited in my XXXX IRA for the tax year XXXX. I monitored by accounts and noticed that the check was cashed on XX/XX/XXXX. But after XXXX working days, the check did not appear in my XXXX account. I called XXXX on the morning of XX/XX/XXXX and was told that XXXX did not receive my check and that " the endorsement for this check was not completed by XXXX ''. I then called Wells Fargo and worked my way through several departments, finally being connected with the Check Fraud Claims Center. I was told they would begin investigating. On XX/XX/XXXX I received a letter from the Wells Fargo Check Fraud Claims center stating " we are working to obtain a refund for you from the bank that accepted the deposit. '' They also stated " It typically takes 90-120 days to resolve. '' I called the Wells Fargo Claims Center on XX/XX/XXXX to get an update. I was told that they are continuing to investigate and that the " bank that cashed the check has not responded yet ''. And that all information gathered during the investigation was " confidential ''. I am of course very dissatisfied with the communications, the disinterest and cold hearted response I have received from Wells Fargo. At this point I am not sure if I will every see this {$30000.00} returned to me. And I may have missed my opportunity to save for my future. What recourse to I have? Thank you.

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 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have a Golden 1 Credit Union checking and credit card accounts. I used their mobile app to transfer {$500.00} at about XXXX on XX/XX/2021 from my Golden 1 checking account to my Golden 1 credit card. Immediately the money was deducted from my Golden 1 Checking account, but it has been 32 hours and it has not shown up on my credit card account. Their customer service tells me that it can take up to 3 business days for the funds to be available in my credit card account. This is ridiculous. I could understand maybe 24 hours, but a bank should not be able to leave funds in limbo for 3 business days. This was an internal transfer, and it should be against the law for them to do this.

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 2021-05-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
As of XX/XX/2021, XXXX, Equifax and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX XXXX  - 2 late payments Equifax - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX XXXX  - 3 late payments Equifax - 1 late payment XXXX XXXX - late paymenXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  - 5 late payments Equifax - 2 late payments XXXX XXXX - 1 late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: NY

Complaint narrative:
XXXX will not update the exact accounts as that XXXX has. It's fraudulent activity that XXXX is not updating all the accounts on my credit profile which are current and never late. XXXX update score by approximately 50 petcenr.with the same accounts that on XXXX. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.

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 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX  and XXXX  to remove these off my report and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I have last my Wallet and someone hacked my social Security. Used my social security number online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX reported a collection initiated in XXXX under the name CREDIT COLLECTION SERVIC. In XXXX I was 15 years of age. XX/XX/XXXX on my XXXX birthday I pulled my credit report and noticed my name attached to the wrong birthday ( XX/XX/XXXX ) along this fraudulent collection. 

This has caused me hardship and denial of credit based on fraud information ( 15 USC 1038 ). Based on all violations I have attached my invoice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I tried to request an ADA Title III accommodation. In response, the person at Capital One whom I was speaking to hung up on me. Capital One has no mechanism to respond to ADA Title III requests for accommodation. I requested the accommodation of being able to speak to a representatives supervisor. Without demonstrating my request to be a fundamental alteration, undue burden, or threat to others, my request was denied or ignored. I was then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
Hi. This complaint is partially directed at the CFPB. CFPB previous closed a complaint against FedLoan and failed to verify that the file provided to CFPB by FedLoan, which you posted as adequate evidence, was even a valid file.

It is not. No application will open it. You could not possibly have completed an evaluation based on a corrupt file with no content.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NY

Complaint narrative:
I was recently checking my credit report and saw inquiries I did not initiate. I was informed sometime ago about an Equifax  data breach, but did not think anything would happen to me as a result. I now have inquiries reporting to my account that don't belong to me. The inquiries are from XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX ; and for XXXX XXXX XXXX XX/XX/XXXX ; XXXX- XXXX XXXX NA XX/XX/XXXX ; and Equifax - XXXX XXXX XX/XX/XXXX. I have contacted creditors and have also file an FTC report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ Data International Inc. has called repeatedly at all hours without leaving any voicemail or any information about the reason for multiple calls. I just received a letter from their representative XXXX XXXX threatening further action when no previous demand had been made of any supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Performant Financial Corporation
State: NY

Complaint narrative:
PERFORMANT RECOVERY INC has sent numerous phone calls ( XX/XX/XXXX ) to my place of residence. PERFORMANT RECOVERY INC has also sent at least XXXX letters XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX via US mail about an alleged {$1800.00} debt without my prior consent to contact me ( Breach of US CODE 1692a, b, c, d, e, and f ).

I have informed said company to not contact me any further due to their unfair practices and they have continued to do so. I have since sent documentation to PERFORMANT RECOVERY INC. about these breaches of US Codes registered mail # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1900.00}, {$6100.00}, {$0.00}, {$0.00}, {$1700.00}, {$600.00}, {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

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

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


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Company offered a settlement for credit card, Haven't heard from them since then

Company response to consumer: Closed with explanation