vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 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: MN

Complaint narrative:
Dear TransUnion : I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX 9. XXXX XXXX on XX/XX/XXXX 10. XXXX XXXX on XX/XX/XXXX 11. XXXX XXXX on XX/XX/XXXX 12. XXXX XXXX on XX/XX/XXXX 13. XXXX on XX/XX/XXXX 14. XXXX XXXX on XX/XX/XXXX 15. XXXX XXXX on XX/XX/XXXX 16. XXXX on XX/XX/XXXX 17. XXXX XXXX on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2021-10-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am unaware of who made the credit inquiries on my report but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am unaware of who made the credit inquiries on my report but it was not me.

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 2021-10-10 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: PA

Complaint narrative:
Experian Credit Bureau did not follow the Fair Credit Reporting Act Law. I wrote to Experian over 45 days ago requesting their Method Of Verification for negative accounts they are reporting under my name, and they did not provide it for me. Therefore I believe they are intentionally reporting inaccurate information on 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 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: DApps Platform, Inc.
State: GA

Complaint narrative:
I have a XXXX XXXXt account, and never seen or noticed the fine print stating I need to save the XXXX digital phrase words to access the account if/when I logged out to get back in... 
I got a new phone and didn't realize all my apps and wallets wouldn't open up automatically, I thought all I needed to do was enter my username and password and I could log back in ... .not realizing with XXXX XXXX XXXX I needed the XXXX word recovery phrase... 
Now I can't get in the account and I have about {$30000.00} scattered amongst different coins in this XXXX XXXX  account I am putting in a claim so I can either continue using the account or retrieve all my funds... the account was opened XX/XX/2021, using my legal name, address, phone, DOB & social security # please email or call me & let me know what the next steps are.. XXXX or XXXX Thank You XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I am the victim of identity thief. My data was stolen from XXXX and XXXX during their data breach. I have experienced incident ID theft in several forms over the past years. 

I received notification for XXXX there is a debt collection mark on my credit report from I.C. SYSTEM, INC. I do not owe them or anyone any thing. This is fraud. They been put on notice years ago. They are marking my account again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I feel sure that you have heard from others with this problem but I am unable to get any assistance from the companies involved after over XXXX hours of trying. Along with scores of other XXXX XXXX, my XXXX XXXX XXXX card was transferred to Barclay 's XXXX in XXXX. I received the new Barclay 's cards and when I tried to activate them I eventually determined that my birthday was incorrectly transferred. I am unable to access this account despite multiple " specialists '' hearing my problem. I want to pay off the transferred balance of {$260.00} and close the account. 

Nobody seems to want to help me at Barclay 's or XXXX and this balance will soon come past due, accrue finance charges and impact my XXXX XXXX. I have not had a late payment on any account in over XXXX years and this is infuriating as I know how difficult it is to change something on a credit report even if it was not the individual 's fault. 

Another concern about this is that after reading social media comments from others who have similar problems, most people think that not activating the card will close the account and solve the problem. This is a serious issue that is impacting hundreds if not thousands of people. I really do not know who else to turn to and I hope you can help.

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 2021-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Disputed with the company on XX/XX/2021. Company received my dispute on XX/XX/2021. It is now XX/XX/2021 and I have yet to hear anything back from the company. The FCRA gives the company 30 days to respond and I haven't gotten a response for this medical bill

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 2021-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: VA

Complaint narrative:
While I was XXXX XXXX XXXX a bunch of inaccurate information was posted to my credit reports. When I requested validation of XXXX XXXX XXXX I received XXXX letters that stated my dispute was determined to be frivolous and irrelevant and that they would not investigate it. See attached. XXXX XXXX added several things to my report and attempted to collect several debts knowing I was XXXX XXXX and XXXX. XXXX XXXX reports a XXXX month contract ; XXXX on time payments but is claiming the account wasn't paid in full and added additional late payments after all payments were made. XXXX is reporting a XXXX and portfolio is reporting that same card with a different account number and different amount. Fifth third bank is reporting several late payments that my wife paid while I was on XXXX, along with an duplicate account to add more late payments to the report. I sent proof of payment and they continue to report negatively. Absolute resolutions was another account that was added to my report while I was XXXX. They refuse to comply with the XXXX and FCRA. There are several errors on my report an nobody is doing anything to correct or remove the inaccurate 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 explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/2021 was charged XXXX overdraft fees totaling XXXX dollars on transaction XXXX of the XXXX dollars XXXX and XXXX dollars but due to td banks delays between the balances such pending balance and available balance in my checking they do not calculate there charges and delay them there for putting you in a congruent cycle of over draft whole you assume you have funds they due it via there discretion but capatilize on low balance moments to compound more fees a highly predatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I registered a complaint but it is not listed. 

XXXX is the complaint ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 Received probably my XXXX  or XXXX  prescreened XXXX XXXX offer from Capital one with my last name misspelled. My name and info is registered to opt out of prescreened offers and this is the only company that keeps sending me XXXX XXXX applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
Hello. 

I am currently working with Speedy Cash to pay off my loan with them. My payments are going through with them and there is no trouble even though I had been behind for some months. 

Another party called XXXXhas been harassing me the last week with over XXXX emails, a few long text, and phone calls. 
They have threatened to come to my house and my workplace. They first said by XXXX  and then they switched their wording to XXXX. They have threatened to sue, adding amounts each time they send an email. They are also asking for my payment information and private details. I dont believe my speedy cash loan is supposed to be collected by XXXX and they are being inhumane, disrespectful, and using threats and words of harassment. They repeatedly said they will come to my house and workplace. Along with many false claims and rude comments I need this to be solved. 
Speedy cash is working with me and there are no issues between us. XXXX however has some of my info and is wanting all my info. Not sure what else I can do about this and Im worried they can try finding me at my old address and workplace. 

I will attatch all emails and records shortly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX  and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I tried to make an additional principal payment online with my mortgage company. They charge {$7.00} fee for online payments because I am not enrolled in paperless statements. They took over my mortgage from the previous company ; I was never enrolled in paperless statements. I must have monthly paper statements. I am enrolled in autopay, just as I was with the last and original mortgage company. There are no additional charges for being enrolled in autopay. The fee charged for online payments is unnecessary as it is inconsistent and an unethical business practice to charge monies for legally paying down a fixed mortgage early whether online or by papery check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I have been trying to log into my account after I paid the full one time annually price for XXXX  credit reports I entered all of my information and after calling for help I got an automated response that did not help at all. After calling 3 times and being hung up on my account was frozen and I am unable to log in. The phone line was closed when I get again had to call to resolve this issue.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: TN

Complaint narrative:
Way to go bank is a card holder for XXXX XXXX  for government benefits. I had fraudulent activity on the account now they are refusing to send me a new replacement card and charge back on the transaction dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Out of the blue I received a debt collection notice saying they were collecting debt of {$710.00} for a XXXX XXXX  which I have no idea what it was and was never notified of. I replied with written notification disputing the debt and demand of supporting documentation ( as the debt collection simply stated a total due with no supporting documentation ) but received no supporting documentation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: TX

Complaint narrative:
I have been disputing an inaccurate account on my credit report with Experian, XXXX, and XXXX, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my Experian report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX XXXX and the account was already charged off during XX/XX/2017, not 90 days late. Experian should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what Experian is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On XXXX, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what Experian and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix it.

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 2021-10-10 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: TX

Complaint narrative:
I have been disputing an inaccurate account on my credit report with XXXX, XXXX, and TransUnion, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my XXXX report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX month and the account was already charged off during XX/XX/2017, not 90 days late. XXXX should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what XXXX is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On TransUnion, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what XXXX and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix it.

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 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unlimited Progress Corp
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Creditors discount & A about a collection on my credit saying I had late payments for over 3+ years. I was confused and not knowledgeable about this not only was I under XXXX when they say the account was open I have no knowledge how I owe them {$680.00}. I never received a phone call, letter or email about this absurd amount. When I spoke to operator about this collection on my account she failed to identify me using my social saying she doesnt have information because I dont have an account, and is unclear how to help she tried a couple different tactics including trying to look me up under my phone number to see if its possible I had an account still nothing came up. I explained I have no knowledge of ever opening one and as I noticed she doesnt either so why is it on my credit reporting as a collection since XX/XX/2017. Please help I have already disputed this but there making it impossible. The dispute has been in review for weeks with no change.

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