vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
The DOFD is inaccurate and is a violation of FCRA section 609 ( a ) ( 1 ). The DOFD does not match the OC 's DOFD. The DOFD was in XX/XX/XXXX not in XX/XX/XXXX and XXXX customer service gave me verbal confirmation today that the last payment was received in XX/XX/XXXX. I am attaching an email from XXXX showing when my account was first delinquent and a copy of my CR showing a different date and I believe the debt to be reaged.

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 2019-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. I am writing this complaint because today I was looking up my credit score something i have not done before and I came across it being low. I went to see why and someone pulled out loans in XX/XX/XXXX and XX/XX/XXXX in my name and I need to get this resolved and fix my credit. Please let me know what I need to do in order to get this mess figured out. My email is XXXX. 

Thank 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 explanation
Consumer complaint received 2019-03-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Yesterday, XXXX-19 I transferred money held on a XXXX   account to PayPal in 2 transfers. The first was for {$200.00} and second was for {$800.00}. These were the only times money came into my account. I made no sales using PayPal, however they have decided to limit my account in case of chargebacks or reversals. It makes absolutely zero sense. I submitted all requested documentation and answers about the transfer from XXXX and withdraw to my PayPal prepaid debit card. PayPal is not a bank and does not have the right to hold money I transferred to their platform. I was able to initially withdraw twice in the amount of {$200.00} the first time and {$100.00} the second so now there is only {$700.00} left. Again since these 4 money transactions were the only transactions to or from my account, there is nothing that would lead someone to believe there would be a chargeback, refund, or reversal.i respectfully request that my money be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: OH

Complaint narrative:
All inquiries on my report from XX/XX/XXXXand after are unauthorized. Im not sure how these are on my report and the lenders dont know either.

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 2019-03-16 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: OH

Complaint narrative:
All inquiries on my report from XX/XX/2018 and after are unauthorized. Im not sure how these are on my report and the lenders dont know either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All inquiries on my report from XXXX and after are unauthorized. Im not sure how these are on my report and the lenders dont know either.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting old information to Experian that the other two bureaus have already removed for it being old information. I disputed with both XXXX XXXX XXXX and Experian but it still remains on my Experian account and is hurting my score by about 100 points.

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 2019-03-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Around XX/XX//2018 I lost my card and there was multiple transactions made fraudulently on my account I reported the fraud and let the bank know they credited the account and then refilled the account I been 3 months trying to get the matter resolved and they have not reached out to me on the correct number XXXX I did not make the charges and need the credits out back on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust froze my account on XX/XX/2019 said was due to close account because is under investigation for fraud dept. I received wire funds for sale from estate items. Which was about {$34000.00}. The bank said it was closing my account because of rules and regulations. I received a notice XX/XX/2019 of the account closed. When I called the bank to see if my funds are being sent to me they are telling me now there is a hold on this until XX/XX/2019. This has caused me so much grief is there anything I can do to get my money. At closing of the account there was still XXXX in my account. The person who wired the money even try and call bank and nothing. Please I need answers and my money back

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 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My mortgage servicing was switched to SLS loan serving from XXXX on XX/XX/XXXX. It is XX/XX/XXXX and I have requested an inspection for my home loss since they serviced the loan. I was told after almost 4 months they are still trying to find one in my area. In the mean I am sleeping on a couch because my home is not livable. I have a chronic illness that makes me sensitive to all construction type materials. I was in the midst of recovering and I am not out of the woods yet, but they could care less about that. I pay my mortgage before the 1st every month XXXX and I have funded most of this project prior to any draws being submitted to get it done quickly. It will be 5months and no inspection so I can get the money that my insurance company paid me to complete my home of 15 years. Every time they call me I get the run around I am sick at this point and obviously forced to continue to fund my own 6 digit loss. I want to stop them from causing me and anyone else any further anguish. Weve already been displaced and our lives have been turned upside to a loss that we didnt see coming. Why must they continue to take their customers through these type of criminal practices. The bottom line is who ever owns the loans is holding our money for their own interest and XXXX should be ashamed for dealing with these kind of servicers. SLS loan servicing loss draft department are literally criminal and they play with peoples lives. Something has got to be done!

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 2019-03-16 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: MO

Complaint narrative:
There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, XXXX and Experian provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX   {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX {$30.00}, ( # 10 ) XXXX XXXX XXXX   {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX  {$71.00}

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
Consumer complaint received 2019-03-16 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:
There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX {$71.00}

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
Consumer complaint received 2019-03-16 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:
There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, Equifax and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX  NXXXXw {$2.00}, ( # 2 ) XXXX XXXX  {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX {$72.00}, ( # 6 ) XXXX {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX {$960.00}, ( # 9 ) XXXX   XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX   {$71.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 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: FL

Complaint narrative:
I have again been the victim of identity theft someone is trying to open accounts in my name. I have my personal info out on internet websites and people use it to try and open accounts. I have notified all the companies to advise them and there have been no accounts opened. I have also made a report with the FTC and will be including it also. The following are the fraudulent inquires placed on my report : 1 )  XXXX XXXX XX/XX/2019 Experian 2 ) XXXX XXXX XX/XX/2019 Experian 3 ) XXXX XXXX XXXX XX/XX/2019 Experian 4 ) XXXX XXXX XXXX XX/XX/2019 Experian 5 ) XXXX XXXX XXXX XX/XX/2019 Experian 6 ) XXXX XXXX XXXX XX/XX/2019 Experian 7 ) XXXX XXXX XXXX XX/XX/2019 Experian 8 ) XXXX XXXX   XX/XX/2019 Experian

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 2019-03-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I have a loan with XXXX and NISSAN MOTOR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NISSAN MOTOR with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was called from what I thought was my tax preparer stating my  refund is pending and they were waiting on a payment and to sent it through cash app. XX/XX/XXXX When I sent the {$850.00} to the recipient.i called my tax preparer to see if she received my payment and my tax preparer stating she never received the funds. Tried to refund the money by cash app from the person who received it and they wont return my funds, they have declined my request and I contacted my XXXX XXXX and they have declined my request on XX/XX/XXXX. Cash app stated they would retrieve my funds but I can not contact a live person to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: TX

Complaint narrative:
Equifax reporting fraudulent information on my credit file ... Items were removed in XX/XX/XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from Equifax on XXXX accounts that have been disputed multiple times ... XXXX XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on Equifax 2 times between XX/XX/XXXX and XX/XX/XXXX. The file isn't reporting per Equifax so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. Equifax sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from Equifax stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and Equifax never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. Equifax has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely Equifax is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 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: CA

Complaint narrative:
My original loan amount with XXXX should be {$190000.00}. I contacted XXXX and they sent me a copy of my note showing {$190000.00} as original loan amount with a cover letter. I sent copy of note and cover letter to experian. They will not correct the original loan amount to {$190000.00}. I have been trying to get experian to correct this error for a while now but they refuse. XXXX and I agree ( see note and cover ltr )

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