vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: MI

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: OH

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In XXXX I and my husband, we were in a hardship situation. My husband lost his job. I was not working that time due to XXXX  XXXX. We were unable to pay our credit cards on time, but I was every time calling the companies to let them know about the situation that time. They were calling us many times a day. We decided not to answers to their calls. It was painful and frustrated for us. We were stressed. In XX/XX/XXXX, I found a job that fit with my condition. All the money I earned that time allowed us to pay our rent, the car insurance and our car with XXXX XXXX XXXX. We did not want to lost the car. In XXXX my husband found a stable job where he is until today. In XXXX the financial situation improved we decided to pay the debts we had. Almost all accounts were sent to collections. Were paid as agreed with the collections agencies we paid every thing. We asked to forgive us, because we were not able to pay monthly as agreed. Most of companies removed our accounts from serious delinquency, PNC BANK, XXXX XXXX AND XXXX 'S did not want to do so. The main concern of our complaint is we need another chance. We have stable jobs now and are able to manage our finances. We need your help if those companies can remove those accounts from serouis delinquency. This situation affects us so much we are first time home buyers. Every time we apply for a loan we are not approved because of those accounts on serious delinquency. The credit limitsfor PNC BANK WAS XXXX $ with late it was around XXXX XXXX I had pay according to the settlement around XXXX $ and something. XXXX XXXX XXXX $ credit limit with late fees it was around XXXX $ I have paid according to the settlement XXXX $ and something, XXXX XXXX CREDIT limit XXXX $ XXXX paid XXXX $ and something. We have never wished to lived the situation we had that time. We are asking for forgiveness. We want to have our own place we are at this address for XXXX years. It is time for us to move on. We are ready to have our own place. We have XXXX children. It is going to be nice for them if we move to a new house. 
Name : XXXX XXXX XXXX EMAIL ADDRESS : XXXX Home address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Note : I have changed my last name. 
The time I had those accounts my full name was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
On XXXX Capital Accounts called me to collect a debt that belonged to my daughter. I proved to them that the debt was not mine but instead ignored the proof and place the collection of {$280.00} on my account. The debt belongs to my XXXX year old daughter. Date of service is 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 2021-11-08 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting 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 months but i just remembered i could file a report on here as i feel they are not doing their job and it is affecting me a big deal as i used PayPal quite frequently. They are holding my money and not letting me withdraw it, and this is illegal. 
My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: DC

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/XXXX my fiance had sent me money on chimes new send to anyone including people without chime accounts, when I received the money it said to put in my debit card info or open up a chime account and earn XXXX bucks, I did some research and decided to go ahead and open an account, so everything was farely easy to open the account and my XXXX dollars was deposited in my new chime account. The next day I went to go buy a shirt from XXXX and when I went to pay with my XXXX play using my chime account it said declined so I panicked and not only that was extremely embarrassed and laughed at. So I went to my phone and tried to log in and boom it said my account had been frozen,, so I called immediately and they said it was no problem just to send in my ID mail and second proof of ID, so I got home and did just that but then all the sudden it wasn't good enough they need something else, in the United States of America birth certificates are considered XXXX form of identification but nope chime wouldn't except it, but I tried to explain I lost everything in the XXXX Oregon fires and ATM its all I had, plus they wanted a bill XXXX my name but at first it was any kind of mail the only problem I have is I'm living with my sister because like said my fiance and I lost our home in the fire so I don't have any bills in my name or they wanted a banking statement but I wouldn't be banking with chime if I had XXXX, so I told them the unemployment letter was from the government and that should be just as good as an electric bill, plus I explained that I just got this new job and the money my fiance sent was also supposed to get me to work and my kid to daycare well they couldn't care less, so i finally got a bank statement mail from a bank account I don't use anymore haven't for sometime but it was a statement like they said I could use but then that wasn't good enough, it's been this huge run around, every time I call they say someone from the review team will contact me in the next XXXX hrs and it never happens I sent them the receipt and stuff from the XXXX XXXXy XXXX saying this was proof until I receive my card and that's still not good enough, they haven't even responded to me in weeks, I don't understand what else to do, it's crazy that their really just gon na keep money that's not theirs, something needs to be done and they should be held accountable for their mistakes, as of now my hours were cut at work cause i didn't have gas to get there and to take my kid to daycare so now I've fallen back in a financial hole all thanks to chime and their uncaring ways, I just want my money or if it's such suspicious activity then give the money back to my fiance I mean if I was scamming the best thing they should do would be give the money back to the person who sent it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have disputed with XXXX 's XXXX and Synchrony Bank about a card that does not belong to me but it had my name attached to a different address, and different card number that they are saying I owe. I own a card that I pay on time faithfully every month. I started trying to fix my credit and trying to address the issue but not having any luck. Below are some of the key points pertaining to this card * Seems there were 2 numbers which are associated with this card but don't match the card I own XXXX XXXX * It seems as though Charges were made over the internet mostly *Address is different/ card number is different *How did bank let card run up to XXXX? 

* Transactions shouldve looked suspicious from my normal use * Who called in to make a XXXX payment? 

* Why wasn't I notified of any unusual behavior? 

* Dispute Letter was sent and no proper proof was sent back accept a statement of transactions saying I owe. 

I will also send docs over to verify proof of everything.

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 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
TransUnion is a publishing company that is in the game of advertising on peoples Credit Worthiness or reputation as defined as XXXX. TransUnion is in fact reporting/Advertising negatively, inaccurately on my credit card as defined by congress which has put me in financial hardship that has not allowed me to use my open end credit plan. 15 USC 1602 ( l ) : means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This has been an ongoing problem for more than 2 years now. I have not asked for anymore reinvestigations but for TransUnion to show me permissible purpose that they have to report on my credit card. They have no consent and we are not engaged in contract to report on my likeness. No consent is identity theft. Today I have mailed an Affidavit of truth showing proof that TransUnion is in fault for completing reinvestigations without my consent. 15 USC 1681d ( D ) ( 1 ). They have never had my consent to report anything on my likeness which is a violation of 15 USC 1681b ( 2 ) : in accordance with the written instructions with consumer who it relates. I have no more time to waste with frivolous reinvestigations when TransUnions does not do investigations in accordance with congress 15 USC 1681a ( e ) information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. They have never taken the proper channels to investigate properly. This a request for a immediate deletion of the alleged bankruptcy on my profile

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 2021-11-08 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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
on XX/XX/2021 I was charged on my credit card {$250.00} + {$250.00} a total of {$500.00}. I called the credit card company and reported this. The credit card company XXXX started a fraud dispute and changed my credit card. This company hasn't resolve this dispute, I haven't received any information about this fraudulent charge and they keep charging me interest and late fees knowing i did not did this purchases, now they reported to my credit report as late giving me a bad score. I have proof that i was in XXXX XXXX on that date with my daughter.

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 2021-11-08 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: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the credit Union. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX XXXX XXXX XXXX on my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX  car loan. 
police report case XXXX and FTC reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the credit Union. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX XXXXXXXX XXXX XXXX XXXX my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX car loan. 
police report case XXXX and FTC reference 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