vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: MD

Complaint narrative:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION -- -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX, XXXX Inquiry : XXXX. XXXX, 2020

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 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2021 Chime closed my account with no specific reason. I tried to login in to my account and it stayed that account was closed down. I emailed Chime support & they basically stated that they closed my account due to a violation. I have about {$12000.00} in my account, and Chime will not send out my funds. First, they stated 30 days but once I emailed them again on XX/XX/2021 they stated that Im not eligible for my refund. I just want my money and Chime is not being helpful at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, EQUIFAX, AND XXXX ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, XXXX, AND EXPERIAN ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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 WOULD LIKE ALL FRAUD ACCOUNTS REMOVED FROM 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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX  and TransUnion are reporting 3 derogatory accounts and 20 inquiries 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 3 dispute letters to XXXX, XXXX  and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 2021-05-19 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 3 derogatory accounts and 20 inquiries 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 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 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 2021-05-19 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have sent multiple letters to equifax in regards to unauthorized and unverified inquires on my credit report. I am very stressed and need these erroneous inquires DELETED from my credit report immediately. 

1. XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX 2. XXXX - XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 Wells Fargo charged my credit card {$560.00} to do an appraisal on my home which was not supposed to be done unless I was approved. I was told by the representative at the bank XXXX that I would receive a refund if they could not do my loan. 
To date I have not reveived a loan or a refund. 

I have asked at least 5 different times for a copy of the appraisal which they refuse to send to me. 

I am requesting a full refund of the money they took to do an appraisal without doing the loan.

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 2021-05-19 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: MO

Complaint narrative:
I WOULD LIKE ALL FRAUD ACCOUNTS REMOVED FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I found out 8 unauthorized fraud transactions appeared on my credit card. I called customer service right away to stop and dispute the charges. 

On XX/XX/XXXX four charges were placed back by XXXX XXXX for {$1300.00} due to the unauthorized merchandise arriving at my house. The merchandise said they didnt receive any fraud information from the bank. I didnt have information to return the packages ( such as email order confirmation ) and online support did not help to give me return labels because it was past their 30-day return window.

I returned the 4 boxes unopened to the local store. They took and scanned all the items, giving me a refund of {$670.00} on XX/XX/XXXX. Due to seasonal pricing change, the difference of {$1300.00} - {$670.00} = {$710.00} should be returned. 

They has all the merchandise and hasnt lost anything. {$710.00} is still on my closed credit card statement. The merchandise said they can not do anything and that only Bank can return the money to me. 

The situation has gone on since XX/XX/XXXX and I handed in my appeal to the bank, they did not look at my case carefully, on and off several times, remains unresolved it. Bank should have protected my credit card information from being used. I am looking for the remaining charges removed. All the information above is true and statements of fact.

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 2021-05-19 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: CA

Complaint narrative:
Looking into credit reports i See a lot of MISLED information. Or information thats is Against my congressional laws. USC 15. Codes etc ... ... .. Remove all information that is hindering my credit scores. And contact me directly for any alerts or change into my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
Dear Sir/Madame Thank you for having this site for us a customers Paypal permanently limited my account and sent this email last XX/XX/XXXX : You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive payments or shop online. 

If you have funds in your PayPal balance, well hold the amount for up to 180 days. After that period, well email you with information on how to access your funds. 

We regret any inconvenience this may cause. 

But now I look on my account and found out that they already transferred the money on their account. Here 's the message Transaction ID XXXX Note {$1300.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

Please we need help from you a lot of people is also having problem like this specially those who with small businesses. 

Thanks and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted an dispute to the bureaus 30days ago about medical bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.

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 2021-05-19 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: CA

Complaint narrative:
Looking into credit reports i See a lot of MISLED information. Or information thats is Against my congressional laws. USC 15. Codes etc ... ... .. Remove all information that is hindering my credit scores. And contact me directly for any alerts or change into my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
I submitted an dispute to the bureaus 30days ago about XXXX  bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed this acct numerous times. I have received a letter from the company saying it will be removed from my credit report and it still has not. The letter is attached. 
I sent the bureaus the attached letter more than 30days ago on XX/XX/2021 along with dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank transfer for XXXX asked for a reverse order and still nothing back since XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: IL

Complaint narrative:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Transunion any written consent to report anything on my consumer report. No consent is 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 2021-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Experian any written consent to report anything on my consumer report. No consent is 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 non-monetary relief
Consumer complaint received 2021-05-19 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: IL

Complaint narrative:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I was approach by a scammer on XXXX who said she could get me a government Grant. All I had to do was get Google play card witch I bought two XXXX dollar ones. They got the numbers from the back of the card and took it. This happened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have tried to modify my mortgage on two various occasions once in XX/XX/2020 and the other in XX/XX/2020 the first time the service company came back with a higher amount than the payment I was paying! The second time they told me there was nothing they could do! I want to keep my home but I need a modification I can not pay {$1100.00} per month. The service company as advised me that to reinstate the mortgage I need to now pay {$11000.00} which includes all their fees etc. Please I need some help! Thank you! The service company is Fays servicer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report. 
Ive never done business with XXXX XXXX XXXX, Or The Bank of Missouri nor or signed into a written contract with these companies. This is a fraudulent account!!

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