vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: PA

Complaint narrative:
I already reached out to Equifax for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1. ) XXXXA Date of inquiry XX/XX/2021 2. ) XXXX XXXX XXXX Date of inquiry XX/XX/2021 3. ) XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has refused my requests to validate and verify an account. I have made many responding requests regarding this to them. Portfolio Recovery has also completely ignored my cease and desists requests. 
Portfolio Recovery then took it upon themselves to report inaccurate, unvalidated, and unverified information to all 3 credit bureaus, leaving a damaging mark on my credit reports. Please see attached. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo is charging excessive fees, overdraft fees, also they are stealing funds from my account by paying off the bills, the date I make transaction is paid, they wait until a week later then post it, and explained to me that it didnt post yet, and they charge me again then erased the charges, some kind of way, and charge me overdraft a week later, they have been doing this since I had this account opened, ,also money has been taking out my fraudently,, I just want to acknowledge this, and want this to be aware, Wells Fargo has not learned their lesson,,

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 2021-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: IL

Complaint narrative:
In XX/XX/2021, I filed disputes for transactions in my account that I didn't authorize that happened on my debit card as well as a check that was written on my account and for filing the dispute the closed my account never refunded my transactions and now I can't even access my bank statements I had with them. I had the XXXX XXXX XXXX that was supposed to be deposited into this account and they rejected it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Dear CFPB, I would like to start a formal complaint regarding Venmo. On XX/XX/2021, I received XXXX XXXX, then I sent it to my bank account. The XXXX never made it, they refuse to reimbursed me for my XXXX USD. I contact them on XX/XX/XXXX. We are not the team that take car of that or this. Bottom line they never give me my XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
Account Name : UNITED REVENUE CORP ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Please remove this inquiry since it is over two years old Please remove it from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX, XXXXXXXX XXXX XXXX  and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX  when they thought that I was not monitoring my credit.

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 2021-07-21 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: Oklahoma Student Loan Authority
State: OK

Complaint narrative:
I have two lower balance student loans. Due to covid I havent been required to pay them, the accounts are basically frozen. I havent been able to access them or pay on them whatsoever. Both student loans were in good standing. I understand the freeze on student loans was done in order to help in a time of need but the issue I have with this, is affecting my life greatly in a negative way. Before covid I had auto drafts to pay my student loans each month, totaling under {$100.00} combined. Since student loans arent requiring payment right now I can not pay on them even though Ive been fortunate enough to keep my job throughout covid. My issue is that I am trying to buy a home and now that I havent had the option to pay on either loan my balance has exceeded my credit limit for each loan, as well as a 90+ day late status on each loan. This is impacting my credit report significantly in a negative way. While I understand and appreciate the US government trying to assist those in need during covid I feel I am at a disadvantage. If I were to have the option to continue my monthly auto drafts my balance would be significantly lower, possibly paid off. I am requesting that this be looked at and removed from my credit report with all three bureaus. I am a law abiding citizen, I pay my taxes, I have a good career. I am trying to better myself and my family but this issue is affecting my credit report so negatively that I feel discouraged. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.

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 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
attempt to collect a debt that I do not have to pay due to me having health coverage at that the time of this date XX/XX/2018 my health coverage is billed for this I had health coverage since XX/XX/2018 name of my health coverage is covered California which I have documents to support my statement. I would like it looking off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NC

Complaint narrative:
I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/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 2021-07-21 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: NC

Complaint narrative:
I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  and experian, XXXXXXXX XXXX XXXX, and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX when they thought that I was not monitoring my credit.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX equifax, and XXXX XXXX XXXX XXXX and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX  when they thought that I was not monitoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a checking account with TD Bank in XX/XX/XXXX, and I have previously had a checking account with TD Bank that was closed in XXXX. I opened the account with a promotion for {$300.00} for a new checking account with direct deposit terms while being not available to those who have not had a checking relationship within the past 12 months. ( See footnote 1 in the attached PDF ). I met the terms of the promotion, though TD Bank is denying me the promotional offer. I have secure messaged them multiple times from XX/XX/XXXX until now, and their response is that the offer was not intended for those with a previous checking account relationship at all. The problem is, that language was NOT in the terms of the agreement when I opened the account, and TD Bank is attempting to deny me the promotion based on language not in the contract they are trying to enforce.

Company response to consumer: Closed with explanation