vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Made Several Disputes concerning unauthorized inquiries on my consumers report and have yet to see them removed. I DID NOT authorize, consent to, nor benefit from the following inquiries. 
XXXX. XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
On XX/XX/2021 Nationstar/Mr.Cooper, did a credit correction on my XXXX credit report dispute on XX/XX/2021. When I checked my other credit reports I notice Nationstar/Mr.Cooper has not updated and correct my XXXX and XXXX credit reports. My mortgage Loan account is current and I would like this error fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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

Complaint narrative:
I would like to file another complaint against Experian. On the last credit report I got from Experian it states that the XXXX  XXXX XXXX account number XXXX was a charge off and that the account was paid in full. On the credit report it states that the last payment was received on XX/XX/XXXX. So, if the last payment was received on XX/XX/XXXX and the account was paid in full then why is it showing on my credit report that the account went into a charge off status in XXXX, XXXX. On the credit report there is no issue of there been a delinquency before the XX/XX/XXXX. On the same credit report it says that the account is paid in full and on the account summary it says : Account balance : {$1000.00} Date Payment RECEIVED : XX/XX/XXXX AMOUNT PAID : NO DATA SCHEDULED PAYMENT AMOUNT : NO DATA So, Experian is saying that the account is paid in full and payment was received on XX/XX/XXXX but yet they are saying that they have no data on the amount paid or the scheduled payment. This credit report is loaded with so many inaccuracies I am submitting a copy of my credit report from Experian with all these 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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed my letters to XXXX, Equifax, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
Mariner finance reported four separate charge off accounts in my name. Only one is correct and the others are not joint accounts that I have not signed on. They belong to my ex husband. Only one account its an installment for {$4000.00} and a little more. I cant remember amount financed but it was secured by a vehicle ( XXXX XXXX ) and was a joint account. The other three accounts reported I did not sign in and they are saying joint accounts. They are reporting I last paid in XX/XX/XXXX which is incorrect. Last payment was in XXXX, vehicle was repossessed in XX/XX/XXXX no other payments made in XXXX and balance on charge off was not set up in a 24 month schedule. They reported the balance was set up to be paid in 24 months. There was no rescheduled payments on charge off. XXXX determined the other accounts were mine. No way possible because I never signed any other loans at Mariner. Only the one with secured collateral of my XXXX XXXX. That was a joint account. No other accounts did I ever sign and mariner tried to get me to set up payments on balance of charge off but I wouldnt so they took it upon themselves to report it like I have and like Ive missed all those payments. It has hurt my credit and is continuing to be reported as missed payments. It was charged off and thats the only thing that should be reported on that loan. The charge off was around XXXX and some. I went to their office and they pulled the loans they have reported as joint accounts Theyre reporting and my signature was NOT on the contracts but they refused to remove them from my credit report. I knew absolutely nothing about the other loans that my husband was responsible for. How can XXXX allow mariner to report false information on my account. I dont have documents to prove but they do. I only did business with mariner one time. They should have to remove those loans and the information they keep reporting to the bureaus each month is false information on my charge off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX XX/XX/XXXX fraudulent charges were placed on my credit card to four different locations/addresses. 
-The addresses/locations associated with the fraudulent activity are " XXXX XXXX XXXX  '', " XXXX XXXX XXXX '', '' XXXX XXXX XXXX XXXX '' , and " XXXX XXXX  ''. 
-The amounts of each charge were one of the following three : " XXXX '', " XXXX '', " XXXX ''. All charges had a XX/XX/XXXX authorization date. 
- Total fraudulent charges amounted to {$7500.00}. 
- Fraudulent activity was recognized by USAA and alerted myself, froze the card, and locked the account. 
- USAA has taken action to remove the charges from the account. USAA stated the charges should be removed completely at the start of the work week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc.
State: NM

Complaint narrative:
I opened a cash app account XXXX. I used it very little. I made the once in a while transfer to my friends and family without any problems I loaded my cash app card with money at numerous stores. I have problems in New Mexico with federal agents illegally logging into my bank accounts and changing my passwords having banks hold my deposits or force transactions. I have had many problems with many other bank accounts and prepaid cards.I lost my cash app card and two weeks ago I requested a new one. I received it and activated it without a problem. I went to XXXX XXXX yesterday XXXX XXXX to load {$500.00} onto my cash app card to be able to pay my bills. When I got to the register to load the card the store phone rang and then my cell phone rang with a spam call the clerk slid my card and told me the card issuer denied it. I couldnt understand why being nothing was Wrong with my card or the activation process. I thanked the clerk for trying and immediately messaged cash app. The advocate told me that all he seen was two {$30.00} transactions that were declined by my bank. I told him I was not talking about those charges because someone stole my card information which lead the bank to cancel my card as I was awaiting a new one. I attempted to go to 6 different stores and load my cash app card as I have bills that are due my car insurance being the most important. Every single store even XXXX told me that I couldnt load my card. I then knew that federal agents had everything to do with the problem and that the ringing of the phone at the store was to get my card number and purposely deny me of loading my cash app card to pay my bills. The same thing happened to my XXXX prepaid card. I then got very angry because my car insurance is set to expire on XX/XX/2021 at midnight when I messaged cash app again they sent me a message saying currently Youre not able to load YOUR CARD at a store. Why would I be the only person unable to physically load my cash app card? Thats unfair business practices Ive done nothing illegal with my cash app or to cash app. Why they would only apply this to me is beyond me. They then proceeded to lie to me and tell me that in my state loading of cash app cards is not available. When I have loaded numerous cash app cards in New Mexico. I recently changed my social security Direct deposit to come to my cash app account because XXXX was participating with federal agents to do the same thing that now cash app is participating with federal agents to do which is unfair business practices and violations of my constitutional rights. Federal Agents didnt have a warrant that prevents me from using our loading my cash app card so why cash app complied is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris debt collectors.

Debt is not mine.

Daily auotmated phone calls at my place of work. weekends, too.

No one is available to speak to, to resolve issue.

They've been calling for 3 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
Prior to the pandemic, I was making my payments regularly and I was able to pay more than the monthly amount due. I asked if I could make principal only payments in addition to my monthly payment and waa told that this was not possible. This ks absolute nonsense and seems to me to be a way to keep individuals in perpetual debt. By making regular and principal only payments, I can pay my debt off faster, but this is not possible with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account, ( XXXX ) has been closed since XX/XX/XXXX. XXXX and the credit bureau ( Experian ) has continued to report negative information on this particular account. No more reporting of information should be happening. This must cease immediately!! They have reported in XX/XX/XXXX that this account is negative. According to the FCRA, no more negative reporting should continue if an account as be closed, paid, satisfied, included in a bankruptcy. Why are you continuing to report??? Im demanding this account be removed immediately or I will file a lawsuit against both XXXX and Experian for continuing to report negative information on my credit report after the account has been settled. You are totally breaking the FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT LAW OFFICES XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: VA

Complaint narrative:
I made 2 purchases from XXXX online using my direct express card. One on XX/XX/XXXX, where I cancelled the order before the items were set for curbside pick-up. XXXX order # XXXX. The total amount was for {$140.00} I was told by XXXX when I cancelled that the authorization hold that is put on my debit card when making a purchase online would drop off and my money would be credited back to my debit card. It hasn't been. 

On the 2nd XXXX.com transaction I placed and order on XX/XX/XXXX to be shipped to me. When I received my order one of the items was damaged and I returned it and was supposed to be refunded. The original amount charged my debit card was {$210.00} or which I was to be refunded {$97.00} for my return. I have not been refunded at all. My debit card shows the an error message XXXX XXXX. When I look that code up it says something about fraud. When I called XXXX they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. I get the same story as the first transaction. No one at XXXX seems to know what's going on.. they said my debit card bank, direct express, is the one not refunding my money and says that there is some kind of error. When I call direct express I can't get a human being in the phone. 

This makes no sense to me. My transactions with XXXX are pretty simple straight forward transactions. I have no idea why direct express isn't crediting my debit card. I live on XXXX and I need my money credited back to my account. I tried to get a live human being in the phone with direct express and was holding for over 2 hours. I have multiple physical XXXX and it is insane that I should be holding for a direct express customer service rep. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
According to the FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ), PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
My country XXXX  ( XXXX, XXXX ), represents XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX MA XXXX ) in XXXX since XXXX. We import products from XXXX XXXX XXXX and sell in XXXX. On XX/XX/XXXX I received an email from XXXX XXXX ( XXXX ) about when I will transfer money, related to our order, to XXXX 's bank account. 3 days later I started to receive other emails from XXXX ( fake address without 's ' ) regarding the status of payment. This email was attached with out previous conversation with real XXXX XXXX. Finally, I transfered money to bank account provided by scammer. On XX/XX/XXXX scammer sent me an email that they have not been able to receive the money and I should talk to my bank. Scammer also said that the reason might be inconsistency between account name account no. Since I found last email suspicious, I have informed my bank and XXXX Police to reach Wells Fargo to stop the transaction or suspend the account. My bank has informed Wells Fargo with intermediate bank, however we have not received any response yet. I urgently ask your help to stop the transaction and get my money back. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Routing Number : XXXX Swift Code : XXXX Bank Name : Wells Fargo Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: 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: TX

Complaint narrative:
I notified Equifax that there was an account located on my profile that did not have any information on it. Nothing about the alleged creditor/collection company. When I asked Equifax to validate the account, Equifax responded with the account was verified. How is a number verified? There is no information on this account. I have a right to know who my accuser is. Equifax is not behaving in good faith nor are they assisting me with having a fair and accurate consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I am seeking legal advice on a fraudulent activity from BBVA. The company BBVA repossessed my car on XX/XX/2020 without a letter of notice. Before this took place, I spoke with a BBVA representative on XX/XX/XXXX and they told me I was behind {$1200.00} for car payment. I sent them a check in the amount of {$920.00} and a money order for {$300.00} on XX/XX/XXXX. I was under the assumption that everything was fine as I never received any notification that an order was sent out for repossession on my vehicle. Then, to my surprise they took the car on XX/XX/XXXX. When I called them they stated that the check I gave them was lost and never received. They reported on my credit report that my outstanding balance was XXXX and they sold the company to someone else. Now, today XX/XX/XXXX, I checked my bank account and it is over drafted {$920.00} from the check that they stated was lost and never received. I need to dispute this fraud immediately. An investigation claim needs to be opened on this company. I need the check amount placed back into my bank account. I called them today to find out why they did that and they replied saying they had the check and money order and had applied it to my account. I told them that I no longer have an account with them as my balance was reported XXXX. Please advise on how I can take legal action. THANK YOU! 

Regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX Fraudulent Company : BBVA XXXX

Company response to consumer: Closed with monetary relief