vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/ 2019 my Paypal account was fraudulently used to send money from my XXXX XXXX XXXX account. See Transaction details : Transaction ID XXXX Sent to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TX

Complaint narrative:
This is my second time attempting to have TransUnion remove the remaining fraudulent student loans and inquiries from my consumer report. Pls remove what is outlined in my FTC reports.

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 2019-08-09 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: GA

Complaint narrative:
Related to complaint XXXX. Without a signed contract ( even an electronic signature ), a company can not provide a legal basis the account was opened by the person in question. Your office continues to state I opened this account and benefited from this account but have yet to provide even an electronic signature bearing my signature. Note, " When a person opens a fraudulent account, they use another person 's personal verified information but have the account information sent to another address ''. This was the case here! By your own words, you agree with these statements. 

Please note the following : 1. I have never lived at the address in Alabama where the account was opened showing this account was fraudulent when it was opened. This account was opened by a person with the last four XXXX living in Alabama. 

2. The letter regarding {$200.00} was not included for review and signature. Also, after receiving your letter stating I notified your office regarding the account was when I sent your office a letter stating this account was fraudulent and started the dispute process. Further, I have never needed to file for bankruptcy as my current credit card utilization is 11 % out of $ XXXX. IF proven, I would/ could pay this account in full - but your organization refuses to provide documentation. I have worked extremely hard to maintain my credit rating. 

3. The lawfirm is the second to contact me and decline to pursue collection because the information can not be verified by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Again, you agree you do not have a signed ( even electronic signature ) proving the account was opened by me but another person from Alabama with the last four XXXX. 

4. XXXX and XXXX credit agencies have deleted the information because the account can not be verified in accordance with the FCRA.

5. Your office is in violation of the FCRA. If you could provide ANY signed documentation I opened this account, you would provide it! The bank is intentionally ruining my credit rating with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and 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 2019-08-09 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: IL

Complaint narrative:
I've tried several times before to correct errors on my consumer credit report with the CRA and as of today to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: ERC
State: WV

Complaint narrative:
In XXXX, 2019, I received notification via identification/credit monitoring agency of a derogatory item on my XXXX  credit report. Upon review of my XXXX  credit report, I noticed a report of collection by " XXXX XXXX XXXX XXXX  '' ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone ( XXXX ) XXXX ) for the sum of {$130.00}. The original creditor was listed as " XXXX XXXX. '' ( Original CR entry attached. ) On XX/XX/2019, I filed a dispute with XXXX  indicating that this is NOT my account. On XX/XX/2019, XXXX issued a letter stating : " After reviewing your dispute, we found the information you disputed does not currently appear on your XXXX credit report. '' Apparently, XXXX XXXX XXXX XXXX had withdrawn their reporting. 
On XX/XX/2019, I received another notification of another derogatory item on my XXXX  credit report. Upon review, I noticed that this was for the same {$130.00} to XXXX XXXX. This time, however, the account was reported by " Enhanced Recovery Co. '' ( XXXX XXXX XXXX, XXXX, FL XXXX and/or XXXX XXXX XXXX, XXXX, FL XXXX. Phone ( XXXX ) XXXX ). 
It appears that in anticipation of a pending nullification of the account in question, XXXX XXXX XXXX may have sold the disputed account to Enhanced Recovery Co. This seems like an unethical business practice. No honor among thieves, though, I guess. 
My issues are, first, this is NOT my account. Secondly, how can this account ever be properly addressed if every time it's disputed, it gets sold to another collection company? And finally, how can a collection ever " time out '' if these collection companies keep bouncing them back and forth, resetting the clock. It was sheer luck that I noticed this. Thanks to " XXXX '' for the heads up. I never received any notice from XXXX XXXX XXXX or Enhanced Recovery Co! Without monitoring, this may have followed me forever! And it's not even mine! This seems like fraud to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AZ

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had a crewed several hundred thousand miles on PenFed travel card only to find they expired them without giving me meaningful and apparent notice.

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 2019-08-09 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: PR

Complaint narrative:
In my last request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX they came back with the report # XXXX, in that report indicate that the information have obtained through a third party XXXX XXXX XXXX XXXX .I contacted XXXX and they effectively removed the two accounts from my records ( see attached letter ).  The information that Experian is reporting in my credit reports about XXXX and XXXX is inaccurate! That false information is affecting my credit 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 explanation
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX and 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 2019-08-09 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: MOHELA
State: AL

Complaint narrative:
IHAVENEVERWENTTOXXXXXXXXXXXX.
ITISSHOWINGTOACCOUNTSONMYCREDITREPORTSONALLTHREECREDITBUREAUSANDFROMMOHELA,ACCOUNT#XXXXAMOUNTS{$1900.00}{$85.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been diligently trying to access the Capital One general website to go in and access my credit card and pay my bill. For over 2 months, I can not get into any of the Capital One sites. The general dashboard that pops up when trying to access, which I have used since 2012, no longer appears. There is a " generic '' screen which askes for a log in ( which I have also tried using my current log in and password to no avail ) and is basically for the new Venture card. I have called and spoke with customer service several times -- either I can not understand the rep, or I am put on hold for crazy-long periods of time while my answer is being " researched ''???? Updated my computer, browser, etc., but this is a real issue for me. I am seriously concerned about this. 

Attached documents for your review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
on XXXX/XXXX/19 at XXXX XXXX  I received an email regarding my costco visa card that said " THANKS FOR CONTACTING US ' I did not contact them! 

Then the y told me me " heres a summary of the recent customer service call regarding your costco anywhere visa. '' THERE WAS NO CALL! 

The email went on to say that .... 

" A card on the account has been reported lost or stolen. '' THE CARD WAS NOT REPORTED LOST OR STOLEN! 
THE IS/WAS IN MY WALLET ON MY DESK 10 FEET AWAY FROM ME. 

When I called customer service all they did was apologize. 

" We're sorry sir it appears we canceled your card because of a security concern. '' THAT SECURITY CONCERN WAS ME TRYING TO USE MY CARD. 
THEY NEVER SPOKE WITH ME THEY JUST UNILATERALLY CANCELED THE CARD FOR NO REASON.

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 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
My online checking account at HSBC USA was fraudulently accessed ( hacked ). After getting access to my US account, the hacker was able to access my linked accounts in XXXX where I was living at the time. They transferred approximately {$30000.00} to the US accounts, and then attempted a transfer to another account. I notified HSBC USA of the fraud, and they were able to reverse the US transfer. However, I was charged about {$500.00} USD in currency exchange fees, which HSBC refused to reverse -- in fact, they didn't seem to even understand foreign exchange. In effect, HSBC USA profited from this criminal activity. It also took several weeks just to get my funds released, leaving me in XXXX with no money available. While I pursued the matter with every HSBC representative I could I reached a dead end and gave up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09 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: AL

Complaint narrative:
I HAVE NEVER WENT TO XXXX XXXX UNIVERSITY. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}

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 2019-08-09 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: AL

Complaint narrative:
I HAVE NEVER WENT TO XXXX XXXX XXXX. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AL

Complaint narrative:
I HAVE NEVER WENT TO XXXX XXXX XXXX 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}

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 non-monetary relief
Consumer complaint received 2019-08-09 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: Sarma
State: FL

Complaint narrative:
On XX/XX/2019 a company that goes by the name Sarma, location XXXX XXXX XXXX XXXX XXXX, TX XXXX had illegally pulled my credit report for a mortgage broker that never obtained my consent to pull my report. I did not give permission orally, or written to pull my credit report. They did so on their own. I have tried on 2 different occasions to contact Sarma @ XXXX on XX/XX/2019 @ XXXX and left a message to have a call back, spend 12mins on the phone waiting for a representative. Made another attempt to contact them on XX/XX/2019 @ XXXX @ XXXX and spend 14 mins on hold before the automated system hung up on me. Called XXXX on XX/XX/2019 @ XXXX XXXX to dispute the inquiry. Was told by XXXX representative that they could not remove the inquiry and that I had to have it removed by the company that requested it. Problem is I can't get ahold of the company that requested it as they don't answer their phone or call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.

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 2019-08-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.

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 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
I have submitted multiple disputes to this company and everytime the company responds they say that the debt has been validated but with no supporting documents. I have used multiple dispute procedures to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV funding is continuing to respond with every complaint with a credit card statement from the original creditor. 

This company is continuing to report to the credit bureaus as a factoring company, however a factoring company purchases debts that are in good standing and holds them while collecting payments. This company is not my original creditor and therefore does not have the right to report as a factoring company on my report. Also please send me the customer agreement that contains the arbitration clause by the credit card company that this debt was purchased from. This company is not immune from the arbitration agreement and I will be bringing this matter to arbitration via XXXX  in which this collection company would have to pay all my fees and other fees associated with the arbitration. I need you to produce the arbitration agreement clause with my name on it from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: DISCOVER BANK
State: NJ

Complaint narrative:
I suffered a major XXXX event and was in various hospitals for 6 months ( and can easily document same ). Because Discover Financial had switched me to " Paperless Billing '' and had an incorrect email address, those people monitoring my finances during my hospitalization were unaware of payments due to Discover. When Discover finally  reached out via actual mail & phone my payments were 3 months in arrears. My wife immediately contacted them, paid the account up-to-date, and Discover waved all late fees. However, I have since " discovered '' that they are destroying my credit report, reporting 3 late payments with one being 120+ in arrears. When I explained this, they refused to repair the information, claiming it is illegal under the Fair Credit Reporting Act to fix negative information that is the result of their error ( XXXX tells me they bounced Discover 's emails back to them, but Discover ignored the messages, and Discover waited 3 months to use the telephone number they had on file ). I am also told that there is discretionary rules that WOULD allow Discover to repair the damage they have done, but they refuse to do so. This false information is ruining what was an excellent credit score and costing me greatly, I desperately NEED this repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My card was closed by mistake and I tried to have it opened. They said sure no problem we could open it, then they told me they can't because they no longer offer this card but otherwise we would be able to open it. 

This is a complete lie, see link below that the card is still being offered : https : XXXX

Company response to consumer: Closed with explanation