vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CO

Complaint narrative:
The issue at hand is that the bank was aware of my medical and financial issues at the time and were told I would be receiving a lump some from my XXXX XXXX XXXXXXXX and they started placing fees on my account saying there are late fees when I have been making payments to ny account. They have also been giving me NFS fees when I did not set up autopay. Its not duplicated complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
ayPal account statements dating from XX/XX/XXXX up to the current month, as these documents are required for me to successfully file my bankruptcy. I have contacted PayPal several times over the phone during the last six months in order to request these files ; however, they have continued to deny my request to access my own financial account statements. During my most recent call on XX/XX/XXXX, PayPal offered to send me physical paper copies of these requested statements in the mail. I agreed to this offer and was informed that my request would take 3 to 5 business days to process. However, as of today, XX/XX/XXXX, I have still not received these statements in the mail. at this point, I feel as though PayPal is intentionally and punitively withholding these necessary documents from me. As a user of PayPal products, I should have the right to at least view these documents, regardless of my accounts standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed I have addresses on my credit profile that I never lived at. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never lived at the following addresses XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX Please investigate and provide Proof with statements on how you verified the listed addresses as mines on my credit file. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed I have addresses on my credit profile that I never lived at. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never lived at the following addresses XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX Please investigate and provide Proof with statements on how you verified the listed addresses as mines on my credit file. Thanks.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Was charged {$40.00} in fees and {$12.00} in interest in statement for period ending XX/XX/2023. Payment was due XX/XX/XXXX. Payment was sent from XXXX XXXX  on XX/XX/XXXX. Total new balance on statement for period ending XX/XX/2023 was {$52.00}. I called Capital One to complain about the late fee and interest since the check was mailed two weeks ahead of the due date. They waived the late fee of {$40.00} but would not waive the interest. I asked if making a payment of {$12.00} would fully pay the balance and they said yes. I paid the {$12.00}. 

On the statement for the period ending XX/XX/2023, there was a fee of {$25.00}. I called Capital One to inform them that there should be no late fee since I paid the previous balance on time with the {$40.00} fee adjustment and the {$12.00} payment. They said the fee adjustment did not count as a payment and since I only sent in {$12.00} and not the entire {$52.00} I was subject to the fee and they did not waive it. 

This seems inappropriate as the adjusted new balance following the fee adjustment would have been {$12.00}. Additionally, their representative stated that me sending {$12.00} would pay the balance in full. 

It also seems to me that Capital One may be delaying the reciept/recording of check payments in order to charge fees. They are the only company out of many that I pay via check that have had issues receiving payments on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 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: NJ

Complaint narrative:
Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XXXX  for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.

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 2023-08-01 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: NJ

Complaint narrative:
Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XX/XX/XXXXfor years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, So XXXX XXXX XXXX. should be seriously questioned about their business practices. I applied for a loan with lending club during the pandemic and a time of struggle and uncertainty. I had a trouble paying the loan, and therefore was put on a financial hardship plan and it was AGREED no late payments would be reported if i paid on time. However, what they fail to mention is that you can never and i mean NEVER, get ahold of anyone at the customer service number and the website is not accessible. I could not make my payment with my checking account as i was dealing with fraud and i told them i had to use a credit card. They told me no, did not work with me and have since reported 5 LATE PAYMENTS!!! What kind of company doesn't take a credit card, and oh yeah, I've disputed with the credit bureaus, I've called XXXX XXXX, hired a repair agency and nothing. They now say they don't even do financial hardship 's and that i never should have had one? what kind of business is this? i've never been late and i request all late payments be removed. Not to mention, they've taken over 30 day 's to respond and still not remove it... .that is illegal!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, So XXXX XXXX XXXX. should be seriously questioned about their business practices. I applied for a loan with XXXX XXXX during the pandemic and a time of struggle and uncertainty. I had a trouble paying the loan, and therefore was put on a financial hardship plan and it was AGREED no late payments would be reported if i paid on time. However, what they fail to mention is that you can never and i mean NEVER, get ahold of anyone at the customer service number and the website is not accessible. I could not make my payment with my checking account as i was dealing with fraud and i told them i had to use a credit card. They told me no, did not work with me and have since reported 5 LATE PAYMENTS!!! What kind of company doesn't take a credit card, and oh yeah, I've disputed with the credit bureaus, I've called XXXX XXXX, hired a repair agency and nothing. They now say they don't even do financial hardship 's and that i never should have had one? what kind of business is this? i've never been late and i request all late payments be removed. Not to mention, they've taken over 30 day 's to respond and still not remove it... .that is illegal!!!!!

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 2023-08-01 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: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 explanation
Consumer complaint received 2023-08-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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:
XXXX XXXX XXXX Dated : XX/XX/2021 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX 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 2023-08-01 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: NJ

Complaint narrative:
Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XXXX  for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Paid the balance of my account and asked for an Updated Balance Letter to be sent to me and was informed that they could fax it to me. Have reached out to them for 2 weeks now and havent received the letter. Have been told various stories, to include that it takes 1 to 2 business days, and 5 to 7 business days yet no resolution. Customer service keep saying they have emailed whoever and yet no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2023 I attempted an online transfer money from my Citi Accelerated Savings to my personal checking, then close the account. The transfer was denied. I then called customer service, who instructed me to open a checking account, transfer the money from saving to the new checking account, then XXXX  XXXX from the new account to my personal checking. After establishing the new Citi checking and attempting the XXXX  XXXX, I was not permitted to do the transaction. I called Citi and spoke for XXXX hour and XXXX minutes ( XXXX call transfers ) and they concluded I can not transfer my money nor close my account. The last person I spoke with simply said " you'll have to find another way to get your funds. '' I then asked to be transferred to someone else, upon which I was told to call the number on the back of my ATM card. I repeated the request 3 times, and was not permitted to be transferred. So, there is currently over {$400000.00} stuck in my new Citi checking account for which I have no access.

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