vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
My wifes family is in XXXX. We send small amounts of money ( {$100.00} to {$500.00} ) sometimes and just recently when sending {$510.00} to one of the nieces the transaction was declined. I was on vacation in the XXXX and needed to send that person who was living locally in the XXXX. I personally know and have met that person many times and is an honest person. The XXXX agent instructed me to call, a fraud specialist. That person decided that the transaction was somehow fraudulent and that I was probably being pressured into originating the transfer. UNTRUE. That was XXXX XX/XX/2021. I've spoken with Western union 3 times since than and the best I can get is that MY bank ( XXXX XXXX XXXX ) declined to send the money. THATS A LIE. Today, I tried to send {$200.00} ( XXXX ) and a flashing red banner appeared at the top of the Western union web Site " oops something went wrong '' and the transaction can not be completed. Now, I've been marked by Western Union and I am not able to even use their site. I believe this is a case of an OVERZEALOUS FRAUD DEPARTMENT and Western Union is inventing problems so somebody will have a job. Their customer service is in the XXXX. Every time I called XXXX I got the " You cant be too careful, refering to Identity Theft and Fraud maters in the XXXX. I was continually lectured about the fraud problems in the XXXX. I answered ALL their security questions which made no difference. 

These are people I know and Have successfully sent the same individuals money for the past 8 years. Why now and what changed. Just want a straight answer and be allowed to use their service again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TN

Complaint narrative:
On XX/XX/2021, I called Experian and spoke to a representative named XXXX and filed a dispute with him. In the dispute, I asked that Experian validate and verify information that was listed on my consumer report and also give the source of verification in regards to the XXXX XXXX that was on file. On XX/XX/2021 I received another credit report from Experian stating that they verified the information was correct in regards to the Bankruptcy court from the XXXX. I submitted proof to Experian on XX/XX/2021 via certified mail tracking # XXXX with Exhibit A and also proof from XXXX that shows that the Bankruptcy courts did not give them this information and also a copy of my XXXX file that shows that I do not have a Public Record on file, therefore Experian is fraudulently adding this public record to my consumer file. I called Experian on XX/XX/2021 and filed another dispute in regards to the XXXX XXXX information on my consumer being reported in error. I spoke to XXXX and asked that they validate and verify this information again and supply the furnisher of this data. On XX/XX/2021, I received another consumer file from them again that states they verified this account from XXXX which is false information as I have received my file from XXXX several times and there is NO PUBLIC RECORD. In pursuant to the FCRA, credit reporting agencies are to promote accuracy and fairness in reporting. Experian is not abiding by my consumer rights. This information in regards to this public record is incorrect and I want it removed from my consumer file. My next step will be to file a lawsuit against this company for violating my rights as a consumer and being in vacation of the FCRA for reporting this public record inaccurately on my consumer file. I am also requesting a {$2000.00} check from them in regards to falsifying information on my consumer file as this has caused me tremendous hardship and an unwavering amount of time.

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used Venmo to transfer money from time to time and for my unemployment check. I also accidentally transferred my income tax refund into the Venmo account. However they froze my account and it has a balance of XXXX and its been over 180 days and my money still hasnt been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The response the company provided did not address my offer to pay the loan nor has there been a response from the company so the issue is still open. Getting in touch with my home preservation specialist, XXXX XXXX XXXX XXXX is challenging. I was hoping to speak to her today but wasn't able to reach her.

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 2021-11-23 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: NV

Complaint narrative:
There is a bankruptcy reporting on my credit report that should not be. I have gotten documentation from the XXXX XXXX bankruptcy court stating they do not correspond with credit reporting agencies. I have gotten documentation from XXXX XXXX that the docket number to the bankruptcy in question is no longer reporting on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX XXXX wide bank closed my account and took two deposits and never sent them back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions this is defamation off character and also against federal laws. These accounts are not mine and were opened using my personal identification without my consent ACCOUNT # ( XXXX ) as well as ACCOUNT # ( XXXX ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a Target Red Card, which is their store credit card. For the last several weeks, every day when I try to log in to check my account balance, it would show that my account is locked out. I had been calling every day to have my account unlocked just so I can make sure the transactions are valid on my account, and to make sure my account is current. Today when I called the representative to get my account unlocked, she canceled my XXXX XXXX without me asking for it and said it would take 10 business days for them to send my new XXXX XXXX. I explained that this does not work as I need it sooner to do XXXX shopping. She then proceeded to expedite my card and then charged me {$15.00} without confirming with me if I agree to the charge. I asked her to either waive the charge or uncancel my old XXXX, but she refused to do either. I asked to talk to the supervisor. The supervisor could not give me a timeline when my account lock out issue would be resolved. In addition, she would not waive the {$15.00}. Then she hung up on me. I would like XXXX to please waive the {$15.00} fee for sending me my new XXXX XXXX or XXXX my old XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MD

Complaint narrative:
Around XX/XX/XXXX I got a notification from XXXX that there was a change in my Equifax score. When I checked what the change was it was unclear to me because everything looked good that was reported that changed. As I further investigated I noticed that some old accounts that I previously disputed and got removed had reappeared out of nowhere. I didn't get anything in the mail and it didn't even appear as something new on my credit karma or credit monitoring. According to the XXXX XXXX XXXX XXXX ( B ) ( i ) ( XXXX ) ( XXXX ) that is illegal and a violation. It happened in XXXX too but I submitted a complaint and the information was deleted. I am angry that it is happening again. My score dropped XXXX points! I have submitted a complaint before this one, then ordered a report. Equifax is also in violation of XXXX XXXX XXXX ( XXXX ) there are no comments of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Ive been disputing this account since XXXX of XXXX. This Bridgecrest account was removed from my XXXX & XXXX Credit report as of XX/XX/2021 because they did not provide the correct information according to State of Florida State XXXX  and XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. nor did they provide this information in a timely manner. And also they were reporting inaccurate information to my credit report. Once I did receive this information in the mail it was all falsified and Re-typed information. I noticed they put a falsified electronic signature on the contract. They did not provide me with a copy of the ORIGINAL CONTRACT with a WRITTEN signature on it. I NEVER gave consent for them to use a electronic signature on my behalf. I also sent out Letters to XXXX and Bridgecrest asking them how they verified the debt around XX/XX/2021 Certified mail return receipt. Bridgecrest NEITHER company has responded and its been beyond 30 days! Nor did they respond with the correct information that I asked for which implies that they did not complete the investigation process correctly. I have attached pictures of the certified mail return receipts along with this complaint. The only responses ive received is them stating that they DID verify the debt but they did not tell me HOW they verified the debt. Please Delete the Bridgecrest account from my credit report as soon as possible! As it is hindering me greatly. I have attached pictures for proof of evert=ything ive stated in this complaint. i've also already filed an FTC affadavit against this account which ive included with report 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 2021-11-23 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: NJ

Complaint narrative:
EQUIFAX is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and EQUIFAX has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the XXXX XXXX regarding this matter and that will be my last resort before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
Account over XXXX years ago closed and no longer should appear delinquent status on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account over XXXX years ago closed and no longer should appear delinquent status on credit reports.

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 2021-11-23 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: CA

Complaint narrative:
Chapter XXXX bankruptcy dismissed and no longer held against me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Someone tried to open either a XXXX XXXX Credit Card or XXXX XXXX Savings Account under my name and/or SSN on XX/XX/2021. 

Someone tried to open a XXXX Credit Card under my name and/or XXXX on XX/XX/2021. 

Someone tried to open an XXXX XXXX Credit Card under my name and/or XXXX on XX/XX/2021. 

Someone tried to open an account at Pentagon Federal Credit Union under my name and/or XXXX on XX/XX/2021.

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 2021-11-23 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: CITIBANK, N.A.
State: MN

Complaint narrative:
A fraudulent charge was made to my card in the amount of {$1300.00} on XX/XX/2021. Within minutes I notified the credit card company and began the dispute process within minutes of it showing up. My watch alerted me as soon as the fraudulent charge was made and I immediately disputed it via the mobile app. It originally appeared that they were reversing the charge. Then the charge reappeared XXXX weeks later. This time I called the credit card company and disputed it over the phone. When no changes were made to my account I called back a XXXX or XXXX days later. At this time a charge reversal was made as a courtesy. Less than XXXX months after the initial fraudulent charge was made the courtesy reversal charge was then reversed. I am have now had to pay the {$1300.00} and no progress has been made on this charge. They claim the new date for this to be resolved will be XX/XX/2021 which is nearly XXXX months after the first report of a fraudulent charge. How can they hold {$1300.00} XXXX when I immediately notified them that it was fraudulent???

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 2021-11-23 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: NJ

Complaint narrative:
TRANSUNION is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and TRANSUNION has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the Executive Office regarding this matter and that will be my last resort before litigation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I logged on to XXXX to obtain all of my reports it would not let me access them. XXXX froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from Equifax. Equifax said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXX XXXX XXXX and Equifax to rectify the situation and spent the entire talking to an automated system. According to XXXX XXXX XXXX ( a ) ( C ) ( XXXX ) ( XXXX ) my credit reports are supposed to be easily accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PORTFOLIO RECOV ASSOC position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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:
Account over XXXX years old and paid in full. Never delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
Account over XXXX years old and paid in full. Never delinquent

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 2021-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I noticed this account on my credit report and I did not recognized the debt. The collection account numbers, amount owed and company are not consistent with any records I have, I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. I have yet to receive a written reply to the letters that were mailed.

Company response to consumer: Closed with explanation