vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: WI

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged interest in the latest billing cycle, even though I paid the full statement balance. This is my BBVA Compass credit card. I tried numerous times to contact the Customer Service. There is no Customer Service email address published on BBVA website. The advertised phone number XXXX does not connect to a live operator. They just say after several minutes of waiting that no operator is available, Good Bye! If I were able to discuss the issue with the customer service, I would not make this complaint. Please help. 
I understand that no employees come to work these days, but they can answer the phones and assist customers from home. Or accept and answer emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 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: NV

Complaint narrative:
This is not my account nor did I authorize these credit inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: MD

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NV

Complaint narrative:
This is not my account nor did I authorize these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been fraudulently charged on 2 separate occasions by XXXX  XXXX  XXXX XXXX, also known as XXXX XXXX XXXX, after Governor XXXX XXXX ordered all gyms and health centers be closed effective XX/XX/2020 due to COVID-19. 

XXXX XXXX XXXX XXXX  fraudulently deducted the amount of {$45.00} on XX/XX/2020 from : XXXX XXXX XXXX XXXX NY. 

A second charge was fraudulently deducted from my bank account the next day, on XX/XX/2020 in the amount of {$31.00} from : XXXX XXXX XXXX NJ ' A total of {$76.00} was deducted from my account although they are CLOSED. 

I have tried to contact both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on multiple occasions with zero reply or answers as to why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: VA

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have a PayPal account that I have used for a while. I have actually you use PayPal for over five years though the account im talking about was a new one. 
I had a guy I was dating who will send me money 2 times a week, even 3 times a week sometimes. Well when I didnt want to take our relationship to the next level we split up and he contacted the credit card company and said that I am money he sent me was unauthorized. Further more, He says he was supposed to get goods from me that he never got, which is why he requested his money back. But there were never any goods involved, none whatsoever, EVER! We dated for about six months, maybe a little longer and he sent me money throughout the entire Relationship. Not to mention he reported this months after the transactions took place. I have another account where he sent me money more to as well over the months we were together. So how would only five transactions out of 30 be an issue but the rest not be? So dont understand how he is getting away with this. They sided with him without even talking to me. So dont understand how he is getting away with this and they sided with him without even contacting me about it directly. I just got an email saying there were an open cases and then emails saying The cases were closed. This is awful that someone can fraudulently report something like this and its not even get looked into. My account is almost {$1000.00} in the negative now and I dont know what else to do. I just know that is not right and should be **illegal** in the least. Its just disappointing how they can take advantage of the credit card companies like that. Not to mention how bad it is messed my account up. These are the transactions on my PayPal account that he claimed were unauthorized. 
I explained this in emails but never received anything back. Then finally receive something back today and they said that his credit card company opened the case on me and that there was nothing they can do to override them but when I talk to them they said that PayPal would act as my lawyer and handle it. So this is all messed up needless to say. I dont even know who his credit card company is so how would I even go about handling it with them? 

XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$300.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$200.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$150.00} USD Unauthorized transactionXXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: CA

Complaint narrative:
Early this year on XX/XX/2020 I went to XXXX XXXX XXXX XXXX in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. 

When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. 

Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. 

I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. I spoke to Citi on XX/XX/2020 but did not come up with a resolution. 

What XXXX did is fraud and I need Citi to reverse the charges on the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04 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: NV

Complaint narrative:
These are not my accounts. Please remove them. I also didn't authorize these credit pulls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NV

Complaint narrative:
These are not my accounts. Please remove them. I also didn't authorize these credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a Macys cardholder since XXXX. I went to store to purchase items and was offered a promotion To open a Macys XXXX XXXX for a significant discount on my purchase. I agreed and received information from representative that I was approved. Card came in and wasnt XXXX XXXX but another store credit card. I didnt request to have two Macys credit card accounts. I called store to address this. They said they werent sure why I would have gotten another Macys card when I already had one. Problem is I was offered and told I qualified for an XXXX XXXX but wasnt told it wasnt what I was approved for. The terminology on paperwork is not clear that it wasnt an XXXX XXXX until I got the card in the mail. No where did my paperwork say I was declined for the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Looks like western union did not clean up there sloppy mis-management, rampant website issues, even more enraging is there blundering INEPT phone answering employees clue less on what the problem is, cant comprehend what website glitches means, mumble jumble english then handing out XXXX   answers contradicts the issues at hand covers up there own XXXX, reckless incompetence? Example, they gave me problems years ago, NO accountability what so ever, then 3-4 years later I started to use my online account again?! # I just sent {$400.00} to the XXXX last week, no problems, this week I sent {$200.00} no problems, 1/2 hour later I tried to send {$100.00} it blocked me with some idiotic, evasive excuse ( transaction exceeds compliance limit } WHAT LIMIT?! # Who's limit? Anyone can send {$10000.00} abroad before red flags are raised?????? NOBODY accountable or competent answers the phone, passes the buck/XXXX  excuses, example there website care number is interupted with some new backwards automated system, automatically hangs up on you? When anybody answers they seem to be to inept to fiquare out I'm not dialing customer service?! # 3 emails NO accountability let alone intelligent excuse, somebody muddled her response about privacy issue that there sloppy website issues, and/or what privacy issues? MY privacy??? This is my money my online account, my personal banking information/debit card? Nothing has been resolved, NOBODY there competent wants to fix these clumsy incompetent website issues, NO qualified technical support employees??? My online account is still blocked? How XXXX  is that? How many phone calls emails does it take before they fiquare out what brain cells are for, stop lying there customer orientated????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
Fed loan uses online address system. I never changed my address w/fed loan or post office. As a result of fed loans system they mailed my bills from XX/XX/XXXX until XX/XX/XXXX to WRONG address. Their mistake! Late XX/XX/XXXX I had requested a forbearance due to my upcoming XXXX XXXX in XX/XX/XXXX. I never questioned not receiving the bills during that time because I believed I was approved for the payment extension. I have provided the information many times to fed loan and they are refusing to correct the XXXX negative on my credit report. I NEVER authorized or changed my address

Company response to consumer: Closed with non-monetary relief