vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: MO

Complaint narrative:
I'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX XXXX {$180.00}

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 2021-06-28 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: MO

Complaint narrative:
I'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX  XXXX {$180.00}

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 2021-06-28 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: NY

Complaint narrative:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

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 2021-06-28 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: NY

Complaint narrative:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have a Health Professions Student Loan ( HPSL ) with XXXX XXXXXXXX XXXX ( UAS ) as the loan servicer. 

I work as a XXXX provider at a XXXX XXXX XXXX XXXX serving low-income and underserved populations. When the COVID-19 pandemic disrupted and halted XXXX XXXX I along with many colleagues were forced to reduce our hours and consequently income. According to the Department of Health and Human Services ( HHS ) and the CARES Act, which was initially passed on XX/XX/XXXX and has now been extended until XX/XX/XXXX, monthly payments and interests for federally associated student loans, including HPSL, are suspended. 

During the permissible time period, my HPSL servicer XXXX XXXXXXXX XXXX failed to comply with the provisions under the CARES Act. UAS continued to charge monthly payments. Furthermore, they continued to assess interests on a monthly basis as well as various fees ( please see attached statements of the most recent four months from XX/XX/XXXX to XX/XX/XXXX as examples XXXX. The largest fee {$8300.00} is incurred as a result of the collections agency XXXX XXXX. 

The most egregious action is that XXXX sent my HPSL to the collections agency XXXX XXXX in XX/XX/XXXX. I did not receive any communication from XXXX prior to this action being taken. In fact, I was only made aware that this had happened when the collections agency called me on XX/XX/XXXX to ask for payment. XXXX XXXX requested payment of the loan amount of {$37000.00} XXXX including fees and interest ) to be paid in full by XX/XX/XXXX. Understandably, this is not feasible financially. 

As a result of XXXX 's non-compliance with the CARES Act, I have suffered mental and emotional stress of the negative impact of this financial damage. The interests and fees my loan incurred during this time period are substantial, making my new total balance ( {$37000.00} ) almost equal to the original loan balance ( {$40000.00} ). I feel like I have to repay this loan all over again and will not be able to make any progress in my financial situation. 

I do not deny the loan and intend to fulfill my obligation to pay it. However, I am simply requesting UAS and XXXX XXXX to remedy the situation by : 1 ) retroactively removing all charges, including all interests and fees, incurred since XX/XX/XXXX as provided by the CARES Act 2 ) taking my loan out of the collections agency and into standard repayment status afforded by the CARES Act 3 ) ceasing any and all activities that may damage my credit score, including reporting to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to 180 past due and Credit Acceptance Corp has been reporting the account every month as 180 past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to Credit Acceptance Corp *XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.

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 2021-06-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 monetary relief
Consumer complaint received 2021-06-28 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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: GA

Complaint narrative:
The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to XXXX past due and XXXX XXXX XXXX has been reporting the account every month as XXXX past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to XXXX XXXX XXXX XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.

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 2021-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.

Complaint narrative:
Please I Want a loan because my business he is delayed or give me job please help me XXXX no XXXXXXXX XXXX XXXX please help 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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XX/XX/XXXX {$29.00} retuned payment fee. ( Said account was closed ) Account is not closed. I made 3 more payments from that account. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Earnest Inc.
State: CA

Complaint narrative:
Noticed on my credit report a student loan for XXXX XXXX This is not mine. This was opened fraudulently using my personal info. 

I was notified by earlier this year that all of my personal info was stolen and is actively being used. This was the result of a data breach by the insurance XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CA

Complaint narrative:
Noticed on my credit report a student loan for XXXX XXXX This is not mine. This was opened fraudulently using my personal info. 

I was notified by earlier this year that all of my personal info was stolen and is actively being used. This was the result of a data breach by the insurance XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CT

Complaint narrative:
On XX/XX/2021 I reach out to credit reporting agency about incorrect accounts of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I was using PayPal XX/XX/XXXX for a XXXX XXXX the persons running it charged me XXXX for XXXX sessions I tried one session out n didnt like it I contacted PayPal to refund my money because he wouldnt PayPal then said I was in the wrong even tho I wansnt an am they wont return the XXXX since I never continued the sessions I feel this isnt right an I sent him a message asking for it back he refuSed if I have to contact the police I will n be pressing charges for fraud against him this is his message he sent to me You went straight to paypal to do your dirty work for you. 
You failed. 

I'm sorry you were unsatisfied but you had your chance to voice it. You chose not to. You instead acted like a child, ignored the warnings you were given in the voice call to begin with and then thought you'd get paypal to do your work for you. 

I will not be refunding your XXXX dollars. Paypal has agreed in my favour, you were fully and completely aware of what you were paying for, how and why you were paying it. 
Your actions just seem to be someone who just didn't like it I am under XXXX obligations to refund you. 
XXXX. XXXX so please help me I dont know wat to do an I need that money back for bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CT

Complaint narrative:
On XX/XX/2021 I reach out to credit reporting agency about incorrect accounts of my report.

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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/21 I purchased 6 storage bins online from Home Depot using my Home Depot credit card. The order number was : XXXX, and the amount of the purchase was {$220.00}. The Home Depot store that was supposed to fulfill the order and ship to me did not do so, even though I paid an additional {$35.00} fee for next day expedited shipping with a shipping window between XXXX and Noon. When the order didn't arrive as scheduled I contacted both the store and the Home Depot Credit Card company to cancel the order. The order was cancelled and I was told that a credit in the amount of {$220.00} would be applied back to my Home Depot credit card within 3-5 business days. When a credit was issued, someone from Home Depot Credit Services made a typographical error and entered the credit wrong as {$2.00} instead of {$220.00}. I called and was bounced around between the customer service department, disputes department, fraud department, and security operations department. They all knowingly admitted that someone on their end made a mistake in entering the credit amount wrong, and that it would be corrected within 3-5 days. It was not corrected. I filed a formal dispute online and within days received a letter saying the issue was resolved in my favor and the {$220.00} credit had been issued and the dispute closed. It was not fixed. Nearly a month later and multiple calls later and a trip to the Home Depot store have provided no results and no fixes to their error. I want this fixed and my credit issued asap. This is wrong and I as a consumer shouldn't have to make sure the credit card company does their job properly. In addition to my credit being issued, I would like a letter of apology for the extreme inconvenience and stress this issue has caused me. Based on all of this I probably will never shop at Home Depot again. I have attached a copy of the letter from Home Depot Credit Services showing the dispute was resolved and a supposed credit of {$220.00} issued but it was not. I also included a screenshot from the Home Depot website showing that the Order # XXXX was cancelled.

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 2021-06-28 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: NY

Complaint narrative:
I have an inquiry on my credit report : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX-XXXX Please call as you will find I never applied for credit at this company nor did they request a copy of my credit report.

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 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: World Acceptance Corporation

Complaint narrative:
Call : XXXX XXXX For any queries/feedback, write to us at help or call us on XXXX Like us on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my report to this day over 45 days later I have not recieved a response yet. I did my research I know that the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately delete or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point.

Company response to consumer: Closed with explanation