vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: Westlake Services, LLC
State: TN

Complaint narrative:
I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX  They ran my credit for XXXX Auto Financing, XXXX XXXX ( twice ), Westlake Service Inc, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i placed a fraud alert on my credit report transunion and ever since ive been denied every thing ive applied for i cant even get into my accounts without showing my drivers license then when i send it in it takes another 5 or 6 days to get back to me i want this fraud alert off my credit report today ive had enough of it i dont need it on there i thought i was doing something else ive asked 3 or 4 times to hae it removed but they still have it on there i applied for a XXXX XXXX XXXX  credit card just to be denied and i have great credit im very upset with this credit card company

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 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am the original creditor, consumer and natural person. As a consumer, I hold all the power in this consumer credit transaction. One Main Financial failed to provide with an Adverse Action letter pursuant to 15 USC 1681m. Instead it provided me with an email stating it denied my application for credit. Pursuant to 15 USC 1602, One Main Financial use of my credit was unauthorized as I received no benefit. The language and referenced here are best interpreted by your legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-26 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: RI

Complaint narrative:
I was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the XXXX XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
For two months I have paid my bill on time I called about why I charged a late fee XX/XX/XXXX I mail the check off 5 days before it was due, and when it hit my checking account it show that the check cleared the next day, So, I know that they had the check before the payment was due which was on the XXXX, but it was posted on my account on the XXXX Now I went into Target on XX/XX/XXXX two days before the payment was due, but I was charged a late fee. 
The service desk took my check on XX/XX/XXXX but it cleared my checking account on XX/XX/XXXX. 
If I pay on my Target bill on XXXX XXXX why am I being charged a late fee I also used the card the same day to buy XXXX with on items, it shows that I used the card the day I paid the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I opened a new Checking Account at Atlantic Union Bank during a promotional period in which a new customer would receive between a {$100.00} and {$300.00} cash bonus after completing qualifying activities. I completed the qualifying activities to earn a cash bonus of {$200.00}, and the bonus has yet to be provided to me. 

On XX/XX/2021, I contacted Atlantic Union Bank via Secured Message to inquire about the status of the bonus posting ( Ticket # XXXX ). I was told by staff in their reply that [ I ] should see the deposit hit the account soon. 

On XX/XX/2021, I submitted another inquiry ( Ticket # XXXX ), where I was told the bank had contacted our product development team regarding the bonus not being applied to your account. As soon as I have a reply, I will message you. Despite receiving no reply or any additional follow up from the bank, the ticket was quietly marked resolved at some point in XXXX. Still, no bonus has yet posted. 

On XX/XX/2021, I re-opened ticket # XXXX by initiating a new reply to the message thread. In the latest response from the bank, received on XX/XX/2021, a customer service agent notes I am waiting on a reply from our marketing group that handles the bonus. They will be reviewing everything and will be getting back to me. I will message you when I hear something! 

As of the time of writing this complaint, no further communication has been received regarding this matter. 

Despite clearly meeting the terms and qualifying activities of the advertised offer, the bank has not provided the {$200.00} cash bonus they promised, and have spent the last 3+ months giving me a runaround, with inconsistent answers, and refusing to solve the issue. 

Thank you for your time and attention to this matter.

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 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been working with all XXXX bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.

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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent nca i debt validation letter on XX/XX/XXXX. They requested more time. I also sent them a complaint on XX/XX/XXXX, and they requested more time. They did not provide me any proof of this alleged debt. How can they say I owe a debt when they have no paperwork or any contract with my signature? Nca needs to delete this alleged debt today from all credit bureaus. They have had plenty of time to come up with the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED BANKSHARES, INC.
State: NC

Complaint narrative:
While My wife and I were trying to make an offer to buy a XXXX at XXXX XXXX of South Carolina. Our realtor advised us to get a mortgage pre-qualification letter from a lender. He recommended United bank to get the mortgage from so weve filled an application on XX/XX/2022. The bank sent us an email to inform that our loan was denied due to low credit score of XXXX. 
I asked for the credit report to see our overall score which were XXXX, XXXX, XXXX for my wife and XXXX. XXXX for myself. 
I communicated with XXXX XXXX and XXXX XXXX from United bank to explain that my XXXX refused to pay some of my medical lab bills therefore the small debit amount appeared on my credit report. I informed the bank that I am willing to pay that debit if the bank will reconsider evaluating my loan application accordingly. For fairness the lender shouldnt take the lowest score out of five scores as a reason to deny our loan and kill our dream to buy the condo. 
We believe the Gentlemen did not promote the equal lending opportunity act. 
Attached some of our correspondence email

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 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have sent a written notice to TransUnion regarding the incorrect address, names, and date of birth on my credit report. They have refused to remove them and not getting any ready as to why this misinformation is on 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 2022-01-26 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 have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my MLO with my processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
I have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.

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 2022-01-26 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: TX

Complaint narrative:
I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days Experian refused to block fraudulent items from my credit report. I also sent several emails to XXXX. Consumers credit reporting statutes must be enforced if sufficient information is provided. I have attached proof the items were delivered successfully and Experian just refuses to support my credit reporting statutes.

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 2022-01-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I have filed a dispute with the credit bureau that this is not my account and also have asked for them to send me the result of this dispute or proof showing where I opened this account and nothing has been sent to me, I just keep being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CO

Complaint narrative:
I have sent a letter disputing and requesting Trans Union to remove the unauthorized inquiries from XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX XX/XX/2021 TransUnion I have not received confirmation that this inquiry are removed from 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 2022-01-26 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: AES/PHEAA
State: NY

Complaint narrative:
Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$50.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

BMW FINANCIAL SERVICES XXXX Date opened XX/XX/2019 Balance {$47000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: PR

Complaint narrative:
HI, PAYPAL. 

WOULD YOU PLEASE ENABLE THE OPTION FOR WITHDRAW MY FUNDS BECOUSE I WAS WAITING FOR ALONG TIME. 

OR IF I CAN GET MY ACCOUNT BACK I WILL APRECIATE YOUR HELP. 

MY FIRST COMPLAINT WAS XXXX you said my money are going be avaliable XX/XX/XXXX MY ACCOUNT IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.

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 2022-01-26 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:
Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;

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 non-monetary relief
Consumer complaint received 2022-01-26 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:
Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2400.00} ;

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