vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: GA

Complaint narrative:
XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. XXXX  XXXX statement informs lenders they must comply with the CARES Act. XXXX  XXXX statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX  Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.

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 2021-06-30 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: FL

Complaint narrative:
These are fraudulent inquiries on my report please remove them. XXXX, 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 2021-06-30 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: CA

Complaint narrative:
There are 5 accounts on my credit report that do not belong to me they are not mine they have not been signed authorized or used by me!!! 
I need these accounts off my credit ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 5 accounts on my credit report that do not belong to me they are not mine they have not been signed authorized or used by me!!! 
I need these accounts off my credit ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CT

Complaint narrative:
It is to my knowledge that the CFPB governs these non-government agencies, so not only am I demanding these accounts to be removed swiftly as they are unjust and fraudulent but will seek litigation to all parties involved if this matter is not handle immediately. This is XXXX XXXX the natural person and LAW IS LAW. The agency does not get extra days to decide whether they will follow law they are governed by. DO NOT respond with the agency having 30 days to respond THAT IS NO LAW!!!!! Experian and XXXX is breaking the Law

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 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: MO

Complaint narrative:
I received an alert on my credit file that there was some kind of collection with a company I have never heard of. The name of the collection company is Central Portfolio Contro. It's indicating that there is money due for some company named XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what this is. I disputed with the bureaus and they haven't responded. I never received anything in the mail from the collection company or whomever they are trying to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXXopen date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX original creditorXXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXXXXXX XXXX college- open date XXXX XXXX 8XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-XXXX XXXX XXXX XXXX XXXXopen date XX/XX/XXXX FRAUDULENT INQUIRIES 1XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3XXXX date open-XXXX XXXX XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX  XXXX XXXX XXXX XXXX FL,XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5.XXXX XXXX XXXX XXXX FL XXXX FRAUDELENT NAME 1XXXX 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 2021-06-30 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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXX-open date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX- open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX  original creditor-XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXX XXXX XXXX open date XXXX XXXX 8.XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-PHOENIX XXXX XXXX XXXX XXXX-open date XX/XX/XXXX FRAUDULENT INQUIRIES XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3.XXXX date open-XXXX XXXX  XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX FL XXXX FRAUDELENT NAME 1XXXX 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 2021-06-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Recently I reached out to Navy Federal about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a vacation fare from Costco XXXX on XX/XX/21 using my Citi Costco Card for {$470.00} to include airfare on XX/XX/21 and XX/XX/21 and 2 nights hotel for XX/XX/21 and XX/XX/21 at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX OR. When I checked into the hotel, I provided my name, reservation information and Citi Costco card for incidentals. I incurred no incidental charges and used the level of room ( 2 queen beds ) that I reserved. I completed all travel on those dates. When I returned home, I saw that I was charged {$190.00} by the hotel for services that were covered by the Costco XXXX reservation. I submitted a dispute to Citi for the {$190.00} including documentation of the reservation. On a letter dated XX/XX/21 that I received on XX/XX/21, Citi stated that because I received services I would not receive credit. Instead they started a dispute for {$190.00} against Costco XXXX. I received the services I paid for from Costco Travel ; the hotel charged me for services that they were paid for by Costco XXXX. At no point was I contacted by Citi about opening a dispute against Costco XXXX. 
To remedy this, Citi needs to resolve my dispute correctly with XXXX XXXX and remove their dispute against Costco 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 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This account was opened for someone else, not for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On Tuesday, XXXX XX/XX/2021 I received a debit card associated to a checking account with Wells Fargo. This account was opened without my consent or knowledge. After contacting Wells Fargo the account was closed. However, the account showed no activity and was not funded. A credit report pulled on XXXX XX/XX/2021 did not show a credit inquiry associated to a new account, as I feel is often standard to conduct a credit inquiry when opening an account. After discussing this activity with a third party I was reminded of Wells Fargo 's fraudulent activity similar to this in the past and decided to ensure notification to CFPB in the event similar activities are occuring again.

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 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had a charged off account with Victorias Secret. On XX/XX/2021 I paid the debt in a settlement to Victorias Secret debt collector. My Victorias Secret account shows on my credit report as derogatory instead of paid. I have called and written to Victorias Secret. They will not remove it or state bill has been settled and paid. I have tried disputing it with the credit agencies. Ive paid the debt Im asking that they report it as paid not derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TX

Complaint narrative:
It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX, equifax, and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NJ

Complaint narrative:
I have been disputing several accounts on my Experian credit report, they continue to remain when in fact there fraudulent accounts. I have submitted proof showing that its fraud, submitted ID Theft report, my license, a utility bill showing their information is in correct. The creditor XXXX XXXX has closed theses accounts, they have no information that pertains to me on file. I would like for these accounts to be removed from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, I initiated a purchase through an online add for a discounted XXXX. I used my PayPal account to process the payment. Immediately upon the transaction being done, I received an email confirmation showing that my payment had been made to a personal email address and not the company I thought I was transacting with. This is a clear case of Fraud, where the user has set up a pfishing site that is a near exact copy of the actual site. 

Fraudulent website located here. XXXX XXXX  XXXX Website is misrepresenting XXXX XXXX XXXX Payment was made via paypal and immediately misdirected to an email address that is clearly not XXXX. The issue was immediately reported to paypal so that you could prevent the fraud transaction from being cleared. I open case XXXX, which was closed systematically today without resolution. I have attempted to correspond with PayPal and instead I am being sent a redirect email from them directing me back to their website. 

Here is the email address that payment was redirect to : XXXX Please contact me for additional details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted 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 Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-06-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Demand Letter To Whom it May Concern : On XX/XX/2021, I applied online for a Porte checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN {$100.00} ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. 
When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. 
Therefore, I respectfully demand that Populus pay the bonus of {$100.00}. 
Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus. 
Sincerely, XXXX XXXX enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S.C. 1681 ( ii ) the extent to which requiring an exact match of the first and last name, social security number, and address and ZIP Code of the consumer would enhance the likelihood of increasing credit report accuracy ; The wrong Social Security Numbers

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