vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. LIGHTSTREAM on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported 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 2021-03-04 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

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 2021-03-04 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. I have contacted them by live chat and also by call, but they are not providing any explanation on what went wrong so my account is being closed. All the documents provided are legit ( ID proof and Bank details ), also I'm ready to provide further documents if required. They are not cooperative and supportive in order to solve this issue and get back my account. I feel they are not customer friendly so I could report here as it is affecting me a great deal as I have to use PayPal quite frequently. My email linked to my PayPal is " XXXX ''. Please help me to recover my account as soon as possible. This will help me a lot. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CURO Intermediate Holdings
State: OR

Complaint narrative:
I obtained my consumer report on XX/XX/21 and I have a collection account that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

In addition : They are in violation 15 USC 1692d as well for reporting to my consumer reports this is ruining my reputation and it is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ASG Solutions LLC
State: FL

Complaint narrative:
I received a voicemail today, XX/XX/2021 from XXXX with the Office of XXXX XXXX XXXX and ASG Solutions. Stating that there is a legal matter filed against me, per Federal Law. Further advising they have contacted the DMV and my local jurisdiction of XXXX XXXX County. I was also advised by my step father that he received a call from the same personal today, stating there is a legal matter filed against me, per Federal Law. Also advising they have contacted the DMV and local jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My father died in XXXX of XXXX, Wells Fargo refused to even acknowledge his death or acknowledge any beneficiaries that may have been on the account without a court order. Upon receiving the court order, I sent the required paperwork needed to close the checking account containing $ XXXX to the address listed on their website with tracking. It was received XX/XX/XXXX and I still have not received funds from my father 's estate despite contacting them multiple times and escalating the situation to a supervisor who assured me that all of the paperwork was in good order and it would be finalized NO LATER than XX/XX/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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: OH

Complaint narrative:
On XX/XX/21, I received notice, via USPS, that Viking Client Services alleges I owe their client, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( {$2000.00} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days XXXX. A duplicate request was also sent to XXXX XXXX XXXX, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to Viking Client Solutions, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with Viking Client Services, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with XXXX XXXX XXXX was signed for on XX/XX/21, by " XXXX ''. Please see the attached letters, titled, " Vikingltr11421 '', and " Uhgdpdeltr '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from Viking. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day XXXX period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " VikingresponseXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax made it impossible to file a fraud alart online. They then require a written application, and copies of your identity and residency documents be submitted by mail. This requres a printer and copier, and days if not weeks of time, especially with slow mail delivery due to Covid-19. In the meantime, identity thieves could be causing you massive damage, but Equifax won't care because they aren't being held liable, like they should be The solution to this probably requires rulemaking or enforcement action. They should be required to immediately accept any fraud alert application without verification of identity, because what is the downside for a consumer to have a fraud alert on their file? None. It just makes it harder for identity thieves. Failure to accept a fraud alert should make them liable for triple damages and attorney 's fees for consumer losses after the attempt. This is the same company that exposed the complete credit files of more than half the country in 2017. It is long past time for the government to crack down on these wrongdoers hard with regulations and extensive regulatory oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
I am attempting to obtain a new VA mortgage, while selling and closing on my current home. My current mortgage received Cares Act forbearance, and USAA refused to underwrite the mortgage because my loan had been in Covid forbearance under the Cares Act. 

The fact that I used it was used as a " discretionary '' underwriting determination to deny me a new mortgage, even if the current mortgage was made current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank froze all my accounts and cant give me reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NC

Complaint narrative:
I opened an account with XXXX XXXX a year ago to check my credit to make sure it is in good standing. I found that there were collections on my credit that I was unaware of from XXXX and XXXX that were unresolved. I disputed these collections and they were resolved but they came back up on my Equifax credit report. I tried to dispute through Equifax but I could not log into their website because they redirected me to call them. I called and I kept getting transferred to another department and I could not speak to someone. I then called XXXX about my {$1.00} collection. They said it was too far back and they could not find that I owed any balance but I should call XXXX, the collection agency that was used. XXXX told me there were no collections under my name or my husband 's name which means it should have been resolved. They said they can not do anything on their end because they just have a contract w/ XXXX to pursue collections. I then called XXXX back to speak to a manager. I was transferred to a manager and was put on hold for 10 minutes. The receptionist then stated that she is unsure when the manager will be available and asked for a call back # which I gave. I am now waiting on a call back which can take up to 24hrs. I did not even realize this was on my credit. It is now taking an act of congress to see why my credit has been messed up for a dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I purchased a XXXX treadmill on a promotional 12-months 0 interest through TD Bank. I paid the card on time and within the12 months. In addition of TD Bank posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and Equifax showed me DECEASED based on TD Bank 's report. I called TD Bank and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and XXXX also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
Equifax Credit Bureau refused to conduct proper investigation & have these errors deleted from my credit report. I have called this morning, regarding debt collector the bureaus XXXX XXXX XXXX  originator reporting the amount {$820.00}, refused to delete this creditor. I have a certified letter, returned back to me via USPS. The contact information that's stated on equifax of the address is invalid & returned back to sender. Attached is a photo of the letter returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One sent me an inaccurate letter stating MY insurance company has not provided information needed on my car loan with Capital One. They stated I needed to provide documents, but the letter did not address the documents that were required of me. It also stated if settlement proceeds are not received or they did not hear from me, they may pursue other collections activity, which would would have a serious impact on my credit bureau reports and result in additional fees and interest accruing to my account. My account was current, has never been late, and as of the date the letter was sent, the account was actually PAID completely off and to a XXXX balance. I called on XX/XX/XXXX, the day I received the letter to point out the inaccuracies within the letter, and to file a formal complaint with Capital One. They transferred me to the " office of the president '', but I was unable to lodge a complaint with them because they " were in a meeting ''. I could set up a call to have them call me back in 48-72 hours to lodge my complaint. I feel like this company has a poor set of procedures for ingesting customer complaints and timely responding to those complaints. The fact you have one group to accept complaints, and are unable to do so due to a meeting is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I sent XXXX dollars to my friend as payment, weeks later they didn't recieve the money and it simply disappeared from my account. I used paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
XXXX MyLoancare is not giving me my Pay off statement for refinancing. 

I have been asking them for month and half.I have made many phone calls to them. 

From : my email address here Sent : Tuesday, XX/XX/2021 XXXX XXXX  To : Payoffs MyLoanCare Subject : Payoff Request ( Ticket # 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