vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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: NY

Complaint narrative:
Dear XXXX, XXXX, and Experian. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX, please remove the following fraudulent account from XXXX XXXX  from my credit profile as well. XXXX XXXX Account Number : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my Experian and XXXX profiles.

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 2022-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX is on my credit as a charge off has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions My name XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: GA

Complaint narrative:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The CRAs XXXX, Transunion, XXXX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is 0. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the 0 balance reported by the furnisher. After doing so please forward me a copy of the 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 non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXX, EQUIFAX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is XXXX. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the XXXX balance reported by the furnisher. After doing so please forward me a copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis is showing up on all my credit reports two bankruptcy, so i get in touch with them asking to verify these inform, they respond they got it from the Georgia Federal Bankruptcy Court- XXXX.So i send this information to the court they respond back to me with a letter saying that the Clerk 's Office does not provide information to credit reporting agencies. 
So i send them a dispute letter requesting for the bankruptcies to be removed from my report, it's been over 30 days and no respond back from them, i have all my letters that i send to them as my prove. 
Can i get some help here it's damaging my report from me having a good credit. 

Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I tired to dispute this once as the consumer told me if I close the account they would consider and report to the credit bureaus as paid in full it I give them my account, checking and routing number to take payment out Monthly. They even told me this on recording. Ive spoken with them a few times and they did verify I was right on recorded lines. I tried to dispute this and account executive XXXX XXXX responded and denied my dispute but Ive called him about 100 plus times and left voicemails but he wont return my call which is bad customer service and shows he has no professionalism to answering me or speaking about this matter that his representatives caused.!

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 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXXXXXX XXXX  : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} XXXX XXXX XXXX : XXXX -- -> : {$530.00} XXXX XXXXXXXX : XXXX -- -> : {$400.00}

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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
We were offered a home forbearance during Covid and was told it would be added to the end of our mortgage which would be extended in years. Our mortgage was transferred 3 times during covid and now Fay servicing is saying we owe the full amount or XXXX or they are going to change our locks. They have disabled my login and iam unable to get statements and my tax information. I have called and left vm. No one will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: GA

Complaint narrative:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX these are hard inquiries that i know nothing about!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Saturday XX/XX/22 I contacted XXXX over the phone they said I would receive a call back. I was then contacted by a scammer who claimed they were calling from XXXX. The person over the phone promoted me to download an app so they could help me with the issue I was calling about. After I downloaded the app the caller proceeded to hack my venmo account and send {$300.00} to themselves. Then they hung up before I even realized what was happening. I immediately deleted the app and change all my passwords. I was so shocked I realized I had been hacked/scammed. So I immediately contacted venmo and my bank and filed the dispute. I was told by venmo that I authorized the transaction so there is nothing they can do. This is ridiculous because I definitely did not authorize the transaction and I did not receive anything from that transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit
State: GA

Complaint narrative:
I believe XXXX XXXX, XXXX provided VW Credit with fraudulent documents in order to transfer the title for my XXXX XXXX XXXX to XXXX XXXX, XXXX. I mailed VW Credit a request for all the documents and correspondence exchanged between itself and XXXX XXXX, XXXX XXXX XXXX XXXX but have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
My indigo XXXX had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new one three weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum XXXX with the three hundred dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request Ill pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra 60 bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account has been limited this is not the first time this has happened it is about the XXXX XXXX all money frozen business shut down completely, all because I disputed charges. My account has been open for over 25 years and I have been a loyal customer that has never filed a dispute on a charge numerous charges that I should have in all these years and this is the type of treatment that I get for my loyalty and bringing truck loads of money to paypal over the years through this and numerous other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 Capital One rejected my application for an extension of credit, which I extended to them via my open end credit plan ( Social Security Card ) this is a clear violation of my rights as the original creditor pursuant to 12 US C 1431, I responded to the denial and Capital One responded in the same fashion, with a letter that did not address the matter at hand. I then sent the another letter detailing the violations of federal laws that they ( Capital One ) has committed against me and they outright refused to address the issue pursuant to Federal Law. Their responses fail to address 15 US C 1681m violating me the original creditor pursuant to 15 US C 1602g. The evidence will be attached, which are my attempts to rectify this situation amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: PA

Complaint narrative:
someone is getting credit cards in my name without my permission

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 2022-02-22 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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