vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
All credit reporting agencies allowed an unauthorized person to get paid access to all My credit reports to take over my identity. I don't have any paid account for none of them and never have. Im dealing with ip infringement, identity fraud and impersanation. No one is obeying the law and stopping the criminal from accessing my personal accounts. My credit reports are not correct due to phone cloning using sim swap out and cybersquatting. This is occurring with everything in my name

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 2021-10-18 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: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Back in XXXX of XXXX I started forbearance going into forbearance I was 60 days late and during forbearance I paid all my payment while I was on forbearance. In XX/XX/XXXX it still shows on my credit report that I am still 60 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
The closed account reflects a late payment that was never late. The creditor has not removed the late payment nor deleted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This Complaint submission is in regards to PAYPAL Services which has failed to allow me access to my funds. My account was previously compromised and there was fraudulent activity that took place. I called to speak to a representative regarding the charges on numerous occasions. An investigation took place and throughout that time, my account was at a XXXX Balance. As of yesterday XX/XX/XXXX, I received an email stating the case was closed after an investigation and that my account would be credited the total of {$700.00} with 2 Disputes Fees of {$15.00} each. When checking my account it stated there was negative balance of {$30.00} resulting from the Dispute Fees. There was no other funds available. 
I decided to contact PayPal directly which I have been on the phone with them for 2 hours to figure out where the credit went. The first representative did not seem too informative and stated the credit was sent to my financial institution. I explained nothing was sent to my financial institution and that I never received the credit. I then requested to speak to a supervisor who can further elaborate on the matter. I then spoke with XXXX XXXX - ID XXXX who stated he is an Account Supervisor. XXXX XXXX was rude continued to interrupt me and refused to answer any questions I would ask. He stated the credit was applied to my account and that there was a negative balance which was never the case. I have checked my account frequently and there was only an investigation and no negative balance. He stated my account was negative {$700.00} and which is why I don't see the credit. I asked him to provide me with documentation indicating so because I never received notice nor did my account reflect what he was stating. I even went through the account history with him and yet still no indication of a negative account. He then stated to refer to the email that was sent last night on ( XX/XX/XXXX ) and that it should indicate my account was negative. I have attached the emails from PayPal in the documents associated with this complaint submission. He then left me on hold for 25 minutes and then another representative came on the phone by the name of XXXX XXXX - ID XXXX. She as well did not provide me with any additional information. When I requested for documentation indicating my account was previously negative, she refused to comply and stated " Go figure it out on your own. '' I have never dealt with such poor customer service in my life. I would like to have access to my funds as soon as possible. I will exercise my right and file a civil suit if my requests are not reached as soon as possible. 




CASE ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Reports as well and the report numbers are XXXX and XXXX. The FTC Reports are attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number XXXX. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX - CARD SERVICE on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is attached in the documents with this report. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I paid XXXX for XXXX  XXXX but couldnt have XXXX because XXXX  said my XXXX was not strong enough so the owner agreed to a refund and we both signed a settlement agreement with dates agreeing to pay me that they did not pay me on then I received a email with new dates stating I would receive the money then and I didnt so I put in a dispute with my bank I did everything Chime asked me to do I wrote a essay I submitted a receipt I submitted conversations between me and the owner in Chime denied my dispute and when I asked them to explain to me why they cant even explain to me why my dispute was denied I really need help with getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: OK

Complaint narrative:
For several months now debt collection agencies have been trying to get me to pay a medical bill that is not mine. They are trying to get me to pay a bill from XXXX XXXX XXXX where I have never been seen or treated. My oldest daughter that is XXXX was treated there and some how the hospital has my information and has given this out to all the debt collecting agencies. I have told them numerous times that this is not my bill, I have never been to nor have ever been treated there and to remove me from the accounts. They say they will then one week later they are sending me texts and calls. I pay my bills. I flat out refuse to pay a bill for someone else. I am not responsible for anyone 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I have disputed the information directly with Nissan Motor Acceptance and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting agencies and creditors are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting this closed account fraudulently, XXXX XXXX, as 60 day Late 9 months after the account was closed with a XXXX  balance. Now its being reported as a CHARGE OFF account. XXXX XXXX  XXXX, this account was closed at my request and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. 

Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They are reporting this account as of today as a CHARGED OFF account. 

Ive attached my bank statements for XX/XX/XXXX and XX/XX/XXXX Ive attached examples of them reporting this account fraudulently numerous times when the account was closed and had a XXXX balance. 

Ive attached the debt validation letter that was sent to them. 

Ive attached the two letters they sent back to me stating they would remove this from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : 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, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : 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, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: Klarna AB
State: NC

Complaint narrative:
On XX/XX/2021, I opened an account with Klarna. My credit limit was {$2600.00}. 

On XX/XX/2021, I made purchases in the amounts of {$1200.00}, {$820.00}, and {$670.00}, respectively. On approximately XX/XX/2021, the item for {$1200.00} was returned to the merchant ( XXXX XXXX XXXX ). 

On XX/XX/2021, a payment of {$250.00} was due however this payment did not reflect any adjustment for the {$1200.00} refund. When I contacted Klarna customer service about this, I was told that the adjustment would reflect on my XXXX statement. This has yet to occur. My monthly payment for XXXX is {$250.00} which is the same as the XXXX payment. No adjustment for the {$1200.00} return has been made. 

I have available credit in the amount of {$660.00} and have been locked out of using this amount to make additional purchases. 

Additionally, a late fee of {$25.00} has been charged to my account since the {$250.00} payment was not received on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have Contacted this company LVNV funding LLC several times regarding a debt I have been asking for paperwork on this account any sign documents of any kind every time I call its always the same thing we will look in to it. I sent letters asking for paperwork to verify it no response the amount is {$620.00} account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MN

Complaint narrative:
Since XXXX I have attempted to get my credit reports to reflect accurate information. I contacted the creditor, who provided letters. I have had these updated and removed due to them being too old and XXXX has made me write and call in multiple times. I was told by one supervisor, XXXX that he would place an expedited request to have it removed as it was too old to report on XX/XX/XXXX. Then on XX/XX/XXXX my credit report showed there was no update. I contacted them and spoke to XXXX XXXX who told me that the creditors letter did NOT state the date of delinquency was XX/XX/XXXX and that XXXX can report up to 7 years after the account is closed. Well if that is the case, the account was closed on account # XXXX on XX/XX/XXXX so they are long past the 7 year time frame then! Also, the account ending in XXXX was closed XX/XX/XXXX and the account ending in XXXX was closing XX/XX/XXXX. So I am respectfully requesting that XXXX remove the old negative information now as the timeframe is 7 years from the first date of delinquency and even if they wanted to take the account that was paid on XX/XX/XXXX, that XXXX in MN ran XX/XX/XXXX, so anything else was time barred if it would not have already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My home loan was sold to Carrington Mortgage Services in XX/XX/2021 from XXXX XXXX. I have not missed any payments or deferred any payments. Carrington has recently started reporting to the credit bureau that my payments are late. I have asked for a copy of my contract with them as I do not recall signing one and for an explanation for the late reporting. My payment history with Carrington does not show any late charges or late payments however it's reporting as late to the bureaus which is causing me issues with refinancing and lowering my credit scores. I have attached my payment history. This is VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal credit union is denying all of my fraud claims. I had multiple fraud transactions on my account from a person who I hired to do help in my house. I did not realize it was this person until it was too late. I have a police report, all of the claim numbers, amounts, etc. ive been battling this for 4 + months. The most recent denial was today. Ive changed all of my passwords, account numbers, downloaded security protection for my cell phone ( all suggestions from navy fed CU ) and was still denied. This is outrageous and has put me in an extreme financial bind with over $ 5k in fraud taken from me. I have a daughter and am the sole provider for her and can not wrap my head around this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST PRIORITY MORTGAGE, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I applied for a mortgage through 1st Priority in XXXX XXXX. When I met with the representative named XXXX I told him I am fee for service XXXX XXXX XXXX  and have been for over 20 years. I told him that sometimes my pay is a little low in XXXX to XXXX until the XXXX  come pouring in. He said it did not matter that they will look at my yearly income. He showed me that I was preapproved for the amount i was needing for this townhouse and locked me into a rate which expired a month ago. He stated 2 months later after I moved into the townhouse that they could not count my XXXX XXXX  because its less than 3 years. I said well why didnt they look at this 2 months prior before I moved again. Im getting up in years and its XXXX  very hard for me to move. He said sorry no loan. So I complained to the manager named XXXX XXXX. He called me well over a month ago and said we are waiting for your income to go up. I said well since the child support was XXXX and you said that was enough then if my income goes up that XXXX in one month I should be good right. He agreed. Now my income went up XXXX a month. I am grossing XXXX a month with no debt and after 1 month of NO communication and assuming I could move forward since my pay went up he told me sorry NO loan only after I pressed to close in a couple weeks. I have paid for bank appraisals, paid XXXX in rent to live here. I want to sue for my loss of money and time and emotional/physical toll of being LIED to and XXXX  around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
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 involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CA

Complaint narrative:
I reached out to the credit bureaus documenting several errors on my reports. They ignored my letter and have not fixed the problems.

Company response to consumer: Closed with explanation