vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: LA

Complaint narrative:
I contacted the bureaus showing the letter that where the account was paid in full and it is still reporting charge off on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: LA

Complaint narrative:
I contacted the bureaus showing the letter that where the account was paid in full and it is still reporting charge off on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: TX

Complaint narrative:
Company fails to comply with the laws associated with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: NY

Complaint narrative:
When I checked my credit report I noticed that there is duplicated hard inquiries on my TransUnion report, please remove duplicated inquiries below 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 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 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 2022-01-13 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:
When I checked my Equifax credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries below XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate information on my credit report to the reporting agencies. To date, it's been over 45 days and I have yet to receive a response. My disputes have been ignored and I've grown very frustrated with the lack of action. 

FCRA Section 611 ( a ) states that a failure to investigate these items within 30 days is a valid reason to immediately remove the disputed information from my credit report. It has been over 45 days and I'm requesting that the information be removed immediately or I plan to pursue litigation. 

Additionally, my information was impacted by the XXXX data breach and may have been used fraudulently.

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 2022-01-13 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting XXXX XXXX Account # : XXXX. This account was not on my credit report before. I Have never gone into any business with this account or have any knowledge of this account, Equifax show no history of this account or any data its suppose to be shown as per the FCRA. I have filed a Identity Theft Report and advise Equifax to comply with U.S. Code 1681c-2- Block of Information Resulting from Identity Theft, or I would not hesitate to notify my States Attorney General and file suit here in Pennsylvania against Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
T-mobile says I owe them XXXX. As of XXXX XXXX. How can they say that. In oder for me to keep the Device you must pay both Device and bill. I did that in early XX/XX/2021. Bye the middle of XXXX i was with new XXXX and still Im. I asked XXXX why are you sending me the bill, the ask me for my personal information I said no you should know all my information your the ones sending me mail.you have all that. Twice they said they couldnt find out why this was happening. Now its in Collections Agency. One told me I would have to go in person with my I.D . Are they crazy. I have a XXXX. Plus location place people are very rude .Customers like me walking in for help we get sent back to calling customer service. This is ridiculous Ive had it with these people treating you like garbage. They want XXXX dollars from me this is false accusations. When they have billions and trillions of dollars .Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has yet to remove all unauthorized inquiries from my credit report even after submitting and Theft Report. I am demanding that TransUnion DELETE the following inquiries : 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 2022-01-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
Hi Team On XX/XX/2021 I had sold my crypto  Asset GYEN at Coinbase crypto  currency Exchange the status of the transaction was Completed however the funds dint get remitted to USD wallet I made multiple such attempts which failed to remit the funds on to my Usd wallet or allow me to exchange with other crypto asset, my Account was frozen for weeks not allowing me to sell my GYEN crypto coins cash out and this is totally illegal to freez my asset when market was on XXXX XXXX. 

I Need compensation for freezing my Funds for weeks and depriving me from all the profits or opportunities in the Crypto Market for almost 3 weeks XXXX XX/XX/2021 to XXXX XX/XX/2021. 

Also the sell transaction made for XXXX usd needs to be remitted back to my usd wallet. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX FIN 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 2022-01-13 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/2021 I went into my local First Horizon bank the address being XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX, to inquire about why I was charged a XXXX dollar overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the two dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law. 


This was the original complaint. They didnt comment on the fact that XXXX did indeed agree it was against policy to charge that especially without my consent. The teller didnt have authorization to print the form. Without authorization from me, it was indeed against policy. So what policy was she admitting to you guys breaking? I didnt authorize the printing of any form. So you are twisting the story to fit your intended outcome. Im not ok with this. Its not lawful or constitutional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ordered furniture from XXXXXXXX XXXX. However, I did not receive the complete order. I did not authorize the merchant to charge me for the order until all was received. 

The merchant agreed to a lesser amount, and I paid for XXXX order on my card from another bank NOT WELLS FARGO. 

For over 90 days Wels Fargo played games with disputing the charge and not handling it as unauthorized. I have spent over 20 hours on the phone ( all recorded ). 

Every time I call a different rep tells me a different bit of information. 

All lies and never consistent. 

I have asked for and never received any supporting docs from the bank. NOTHING!

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Union Bank sent closing letter not on letterhead and refused to return money for 2 boxes although they have tiny boxes do had to get 2. Since they are closing account should get refund.

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 monetary relief
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-01-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
For the last 2 years, I am having problems with opening Paypal personal account, whenever I apply for a new account Paypal is closing it forever, I kindly ask Paypal to reconsider their decision and allow me establish an account with them, please find attached identity documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On the XX/XX/2021 one I received a spoofed phone call from XXXX XXXX at XXXX PM MST this phone call was a very professional act of fraud completely imitating the XXXX XXXX fraud detection phone call that I have received in the past and made me believe my Zelle was being XXXX therefore I followed through and ended up getting scammed into sending money forward to another person using my own phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/2021, my paypal account was banned from paypal, I cant withdraw my money, they will hold my money in 180 days, I don't have any violation, I hope you will help me to get back my money thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX  scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.

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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've explained that the debt was fraudulent and was told to contact the initial company which I did. I was told it was handed over to a debt collector. I've told the debt collector it was fraudulent also but they said they can't do nothing about it. I proceeded to receive 4 to 5 calls a day and I finally asked them to stop harassing me with calls. They stopped for a couple months and then proceeded to continue calling.

Company response to consumer: Closed with non-monetary relief