vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Security Finance Corporation is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : PO BOX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Wakefield and Associates is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was trying to get a loan and the creditor informed me that they cant find me in Experian report it showed a blank I contacted expirian and they said it might be a glitch in there system and the need to fill out a form and it should be fixed with 3-5 days its been over 2 months and every time I call they give me the run around but it hasnt been resolved which is hurting my chances in getting loans or I get really high rates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
Billing Department of XXXX XXXX XXXX XXXX systematically violates my patient rights by sending me on collections for medical bills, which I paid in full. In XXXX they sent me to XXXX XXXX XXXX XXXX for a medical bill from a XXXX  department, which I paid months ago. I provided a receipt to the collection agency, and the case was closed. However, on XX/XX/XXXX, I was informed that " an unauthorized person may have had access to XXXX 's systems. '' My private information was compromised. 
On XX/XX/XXXX, I got a letter from the Professional Claims Bureau asking for a {$490.00} for a medical service provided by XXXX XXXX on XX/XX/XXXX. My PCB acc # XXXX. My Flexible Spending Account XXXX already paid this amount to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have my receipt for your review. You can also contact XXXX  by phone # 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 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I have just noticed a Collection on my credit report from this merchant for {$170.00} that I do not owe. 

Also, they have illegally obtained my Social Security Number and accessed my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
XXXX XXXX  XXXX did you have relation with this company on XX/XX/2020? Yes or  no? 
XXXX words or Less why didnt you follow the law and report this account the right away and legal way? This is unacceptable and I demand you to remove XXXX right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
Call the company back in XXXX about this loan in which I have taken this loan out in XXXX. I only borrow XXXX in which I was paying like XXXX or more per month for at least 2 yrs. I feel that each and every time I make a payment it does not appear that this loan is ever going away. I just check on the dashboard and shows that I still owed XXXX which is ridiculous. I have try to call the toll free number and it appears that it's a bogus number not able to reach a lived person or speak to them about this outrageous loan that I have gotten myself into in the first place. I want the payment to cease immediately for I am out of work and can not afford this extra expense at this time. When calling the local office I will get the same answers that this is what you owed. I seen where they were sued and fined for 9 million dollars for this unscrupulous practice. It seen that they not learned anything from this action against consumers. I just want to my title back to my vehicle and not owe them anything else. 2 years should be enough for I have paid over the amount that I borrowed from this company. 

XXXX XXXX XXXX XXXX : XXXX {$72.00} Amount to renew today Payment due date XX/XX/XXXX Pay-off amount {$560.00} Originated on XX/XX/XXXX {$560.00} Access Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Heights Finance Services is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Went through the signup process at lendingtree.com to receive a quote for an auto loan. 

There is a 10+ page process to this, and around page 6 they quickly flash a consent form where they've conditioned you to not look. 

At no point did I have to check a box, or read through and agree to the sharing of my information with a third party. It was implicit in me filling out the form. 

I believe this is against the spirit of the GLBA if not outright illegal. 

In addition, they refuse to delete my personal information and don't seem to have any means to undo its sharing. 

Without my explicit consent, they have permanently and intentionally caused a breach in my financial privacy for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: AL

Complaint narrative:
There are multiple errors in my report. You are reporting an account from XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX. These accounts have been disputed as inaccurate. XXXX/XXXX XXXX   opened fraudulently and then sold to XXXX XXXX. I have provided a letter from XXXX saying they told you to delete this incorrect account. XXXX and XXXX XXXX suggests they were sold to bankruptcy ch XXXX, XXXX, or XXXX yet there is no bankruptcy on my report. Please delete these accounts as soon as possible. Also please delete this inaccurate address that does not belong to me Attached are the letter from XXXX and my credit report with highlighted incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX yes or no did you have Relation with XXXX collection agency? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. 
I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account XXXX I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: NV

Complaint narrative:
TransUnion is reporting opened date and payment history wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from 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 2020-07-20 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX XXXX XXXX  XX/XX/19 Nay Fcu XX/XX/19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 Citibank N A XX/XX/19 XXXX   XXXX  XX/XX/19

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is the email i sent to chase addressing my unemployment deposits. 

On XX/XX/2020, Chase restricted access to my account under the information I was given over the phone by a representative that my account was closed. I was told a check was going to be issued to be within 7-10 business days. However, when I called back they told me that my account was under further investigation for my unemployment direct deposits by the NYS. I was owed backpay by the state and my unemployment benefits were released into my checking account on XX/XX/2020. The official record of this is attached. As there are also millions of people receiving backpay on their unemployment account, my case is nothing that should be flagged, and I am very upset that this happened. I have been hung up on by your customer reps, been transferred in circles, and it took me 5 hours to reach someone that could open up my case. 

Since XX/XX/XXXX, I have not been able to make a purchase for food, pay bills, pay for medical necessities, or any daily functions because I only have my debit card to use at the moment. With my funds being restricted without any detailed explanation, no letter, no phone call, nothing, I was left wondering what to do on how to access my account. I would also like to express that this investigation seems highly illegal under the given pandemic circumstances for those who are currently unemployed and receiving unemployment money deposited only to be restricted by CHASE leaving the person without any resources. 

This ordeal has left me in a XXXX XXXX and with the unknown future of how to retrieve my funds, I am left terribly upset as I am not able to purchase food or pay rent. I find this entire process of being bounced around from representative to representative, and even in an person visit to the CHASE branch in New York, to be highly unethical. Not giving a customer a correct answer and how to go about this and not lifting the restriction to ones own account is extremely wrong. 

Attached are the payment history that showed the date ( s ) that my back pay was released via direct deposit from the unemployment website. Please see if you can expedite my case and send a letter or call me with a follow up as I have yet to receive any explanation. I URGENTLY NEED ACCESS TO MY CHECKING ACCOUNT ASAP. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I transferred {$8300.00} to my bank account and i saw that someone changed my banking information. there was no was to call the company so i messaged them. they said the account was changed in 2015. i never noticed the change because i was hardly using the service at that time. they said there is nothing that they can do for me. I dont have any idea who this account belongs to. transaction number is XXXX and the case number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld system did not give me notice before reporting to credit report. I called them and they informed me that they mailed the letter to me which I did not receive.

Company response to consumer: Closed with explanation