vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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:
XXXX XXXX XXXX  Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Lendmark Financial Services
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$570.00} LENDMARK XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC
State: TX

Complaint narrative:
My accounts at.XXXX XXXX  has been hacked into and someone had managed to open a XXXX  dollar loan from lend up as I was rebuilding credit. The XXXX  went into XXXX  account where immediately XXXX  issued a XXXX  dollar loan. I filed an Ic3 report at that time and have no response. However lend up has frozen the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
WESTLAKE FINANCIAL SVC is claiming that I owe them {$0.00} with an Account Number : XXXX  but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: KY

Complaint narrative:
Credit bureaus are reporting a closed account on my credit report. The account was closed in XXXX  of last year but Im still receiving late payments for XX/XX/2021. I tried to dispute this information but it keeps showing up again and again. This drops my credit score by 20 points every time!

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 2021-02-18 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Credit bureaus are reporting a closed account on my credit report. The account was closed in XXXX  of last year but Im still receiving late payments for XX/XX/2021. I tried to dispute this information but it keeps showing up again and again. This drops my credit score by 20  points every time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX open up secured credit card along with a bank account in my name. The bank account was approved by me for direct deposit from my unemployment but the security card was never authorize to be opened in for my money to be transferred from the Account to the secure credit count without my knowledge. I never received the secure a account where my money was transferred and authorizations were used without my consent and I know the XXXX XXXX multiple times that I have not received this secure credit card and that I have not been able to use it. They continue to send me the debit card they already have a money transfer from it twice. Finally when they received the secure account my account was already being usedAnd over thousands of dollars was used out of my account on an authorized I found a complaint they did nothing for it with over 45 days in the knighted at even after I provided them proof of I didnt have all my debt record and proof that this cause he was done on my other bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX PayPal has disclosed to my social security number through an email they sent which is very very disturbing. And I think PayPal needs to be investigated and I think the department of Labor needs to be contacted I just wanted to update I have created a support group online and I have tons and tons of people saying the same thing has happened that has happened to my account with PayPal as soon as I received my pua deposit for all my back pay which is {$6000.00} they have just all of a sudden and i did nothing wrong absolutely nothing wrong, they just come up with all these different excuses which they won't exactly tell me because I didn't do anything wrong just like they're telling all these other people they're just saying they can not do business with us anymore we can not use paypal and they're holding our money for 180 days I have so many cases that it's unbelievable and investigation needs to be done on PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Auto Finance Co
State: OH

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SAFCO ACCOUNT # XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have tried to contact coinbase with my issue over two dozen times. Their customer service is literally nonexistent there is no way to get ahold of them even with their phone number which just leads you to a dead end. I have never dealt with a company that is so nonexistent when it comes to dealing with problems in my life. I hope something is done about this because they are dealing with people 's money and in some cases lots of it. And if you have a problem regarding your money you have literally no option to resolve it because they do not respond ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
WFC is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: NE

Complaint narrative:
Note : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

On XX/XX/XXXX, Equifax responded to my requests for verification of the above items. On XX/XX/XXXX, I sent Equifax a certified letter through USPS urging them to provide proof of a thorough investigation into how they were able to verify the above items in regards to FCRA 611 ( a ) ( 6 ) ( B ( iii ). I have attached proof of these requests. On XX/XX/XXXX, Equifax responded with an account history statement showing that these items were being updated on my credit report. Equifax still did not provide me with any transcripts of communication with the creditors listed in the requests. On XX/XX/XXXX, I sent Equifax another letter urging them to comply with 15 U.S. Code 1681i Section 611 6 ( B ) ( iii ) explicitly asking them to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information On XX/XX/XXXX, I sent them a certified letter urging them on my intent to file a complaint with the FTC for their disregards of the law. Equifax then responded on XXXX XXXX with another statement of account history alleging that the five charged off items belong to me. On XX/XX/XXXX I sent Equifax my last request for them to follow FCRA guidelines and provide their method of verifying these items. At this point, I have exhausted all of my resources and this is my last attempt to get them to follow the law or delete these items from my credit report. To this day, XX/XX/XXXX, Equifax has yet to provide me with any proof that they have conducted a reasonable investigation into how they verified these charged off accounts. I have only received communication that they have conducted through E-OSCAR with ACDV forms, which does not satisfy 15 U.S. Code 1681i Section 6 ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I contacted Capital Accounts as it related to a negative mark on my XXXX profile, that I believe to be incorrect. I spoke to a representative who advised me of a debt that I owed and once paid, that it will be removed from its repository deleting it from my XXXX  account. The debt amount reporting on my XXXX  account is {$880.00}. It is not reporting on any other bureaus. I asked the representative to send me a contract with my signature to verify me as the owner of this account, she did not. I was sent a statement with an address that does not belong to me and a debt totaling {$660.00}. I believe this information to be false, inconsistent and incorrect and I would like it deleted from my account immediately. The negative entry still reflects on my credit profile. 

Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have not received anything prior to this and I have not done business with the company. I don't know how they can just place a collection on my credit reports without ever notifying me before doing so. There many legal violations in regards to this and I will be seeking compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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:
EXCEEDED 30/60/90 DAYS VIA NO RESPONSE FROM CREDIT BUREAUS : XXXX  : USPS TRACKING NUMBER : Tracking Number : XXXX Scheduled Delivery by SATURDAY XX/XX/XXXX by XXXX USPS Tracking Plus Available Status Delivered XX/XX/XXXX at XXXX XXXX Delivered, XXXX XXXX XXXX , TX XXXX To : FRAUD DEPARTMENT, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, United States Tracking Information : Delivered : XX/XX/XXXX XXXX am EQUIFAX : USPS Tracking Number : XXXX Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX , GA XXXX. 

Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX, GA XXXX FRAUD // IDENTITY THEFT // FRAUD EMAIL // PHISHING ATTACK CAPTURING CONFIDENTIAL PERSONAL DATA. Fraud Applications And Accounts Established Via My Personal Credit Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.

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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I received a collection letter, dated XX/XX/XXXX, from Wakefield & Associates on XX/XX/XXXX for the amount of {$4300.00} on behalf of their client, XXXX XXXX XXXX. I immediately informed them in writing on XX/XX/XXXX and provided them with my supporting documents via XXXX  that I were disputing the validity of the entire debt claimed by their client and considered XXXX XXXX debt claim to be legally baseless and fraudulent On XX/XX/XXXX, I received an email alert from a credit monitoring company that Wakefield & Associates had placed a derogatory remark for collection on my credit report preemptively without any attempts to contact me beyond their first and only letter, dated XX/XX/XXXX. It seems to me that they had decided to ignore my reply and the supporting documents that I had provided to them and filed a derogatory remark for collection to be placed on my credit file with XXXX. 

Also, Wakefield & Associates did not provided me with any credible and/or legally binding documents in support of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up & running. I am not sure if this a mistake as I assume it had be. I have not been able to get help for months but I just remembered I could file a report on here as I feel they not doing they job properly and it is effecting me as a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
THE FOLLOWING ARE UNAUTHORIZED HARD PULLS AND MUST BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 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: PA

Complaint narrative:
I have 8 hard inquiries thats I did not authorized XXXX  : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AR

Complaint narrative:
THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.THE XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ALL HARD 10 ON 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 explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is related to complaint # XXXX, which has been closed. The issue is still not resolved. In my previous complaint, I let you know that Wells Fargo refused to send me the paperwork to rollover my retirement account to my primary financial institution, XXXX. After I filed my complaint, they finally did send me the paperwork. I completed it and sent it to them in early XXXX, but no action has been taken. Wells Fargo seems determined to hold onto these funds against my wishes. Please help.

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 2021-02-18 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: PA

Complaint narrative:
I have 8 hard inquiries thats I did not authorized XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AR

Complaint narrative:
THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ALL HARD 10 ON XXXX

Company response to consumer: Closed with explanation