vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: U.S. BANCORP
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-01-11 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:
I have repeatedly asked Experian to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.

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 2022-01-11 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: CA

Complaint narrative:
I have repeatedly asked XXXX to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
This debt is from Spring Oaks Capital and I have disputed this at least 7 or 8 times. I informed them it wasn't mine I send paperwork stating I filed fraud with the credit companies but the IRS too and yet they continue to do nothing. As of yesterday now it states the account was opened in XX/XX/2021. I have had my whole identity stolen this whole situation has been a night mare and the stress with this company is unbearable. It states the amount as XXXX I have no idea what this is. But I have read several complaints about this company doing the same thing to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-11 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: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Company has allowed companies to pull my credit and add accounts that are clearly frivolous And never contacted me per my request if any one applies for credit in my name

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 2022-01-11 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: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX XXXX. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting that I have a credit card from them I have never had a XXXX XXXX credit card after asking for the purchases on this credit card they told me it was to pay a cable or internet bill at a house I was renting out to another family while out of the country on a XXXX trip 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 non-monetary relief
Consumer complaint received 2022-01-11 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: WA

Complaint narrative:
I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX app. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: DISCOVER BANK
State: MI

Complaint narrative:
I purchased some pots and pans for a friend for XXXX, they did not want them so I returned them for a return. XXXX kept telling me I needed to wait for it as it already shows that it was delivered to them. I returned the item XX/XX/XXXX on a Tuesday and they got the return on the XXXX of XXXX and it shows delivered. It even says return received on the website and I still havent received my refund. I have uploaded proof of tracking and all of this and it still says that the transactions was found valid. This was very expensive and Im extremely upset that this company doesnt look at the uploaded documents you provide for these disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
what mr cooper is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which XXXX saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
As of today I have requeted three times for a replacement card of card number XXXX. Recently asked twice for a replacement card of XXXX. I requested for it to be delivered next day but I have yet to receive it. Also, I requested for a supervisor and that was last week and I have yet to received a phone call. 

I really need the card send overnight as it is affecting access to my money.

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 2022-01-11 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: IL

Complaint narrative:
what XXXX XXXX is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which im saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I the consumer purchased by XXXX XXXX XXXX on XX/XX/XXXX from XXXX and the original loan was through Santander Consumer USA without my consent my loan was bought out by XXXX XXXX XXXX and it was last reported on my credit report XXXX 1XXXX.I the consumer would like to file a complaint for the misuse of my information and it being traded to another company without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This is a complaint against PNC Bank for their abuse of authority, delayed handling of the transaction to the customer 's detriment, and poor communication regarding a consumer/vehicle loan. I believe PNC Bank abused their authority by REJECTING a loan payoff check submitted to them from the XXXX XXXX XXXX XXXX who purchased the vehicle from me. PNC returned the payoff check ( {$39000.00} ) to the XXXX XXXX two separate times without just cause, without explanation, WITHOUT INITIATING ANY REASONABLE REMEDIES, and without informing the customer. The vehicle was sold on XX/XX/2021. The XXXX XXXX contacted PNC for a payoff on XX/XX/2021. The dealership mailed the payoff check to PNC which they received on XX/XX/2021. We learned later that the payoff amount was apparently short by {$270.00} to close out the loan. Instead of accepting the initial check from XXXX and requesting the remaining balance due ( probably for Per Diem or Late Fees ) from XXXX or from me, they returned the check!!! I wasn't even made aware. I learned about this only after I went to PNC on XX/XX/2021 to talk to XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX. There was back and forth on the phone between XXXX XXXX, PNC Loan Service Center, and me on, in short, whose fault it was on the incorrect amount of the payoff? Was it PNC 's fault or was it the Dealership 's fault on the correct amount of the payoff? I was charged daily interest, per diem, late fees, and possibly negative credit reporting from XX/XX/2021 to XX/XX/2021. Was this the customer 's fault? I also want to report two PNC employees who were not helpful during this process. One is XXXX XXXX from PNC Bank Retail Support who initially reached out by email on XX/XX/2021 from my consumer complaint, however she did not follow up after that. She promised to " research '' the phone records between PNC Bank and XXXX XXXX XXXX to resolve whose fault it was on the payoff amount, but I received no follow up on the results. She did not return my phone calls or reply to any of my email messages or texts. She went silent. The other PNC employee is XXXX ( don't have last name ) who repeatedly called me to harass me about making the monthly payments even after I informed him that the vehicle was sold and we are working on the payoff. Through some misery and several hassles, PNC Bank finally accepted a new payoff amount of {$39000.00} as of XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 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: IL

Complaint narrative:
Hi, after receiving my credit report via XXXX XXXX, I noticed 5 unverifiable hard inquiries on my Transuion report, i have not applied for anything in the last 10 years, these hard inquiries do not belong to me, this information is inaccurate & inappropriate to my credit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I was charged twice for the same transaction in error I contacted USAA and placed a dispute. I was told I needed to file the dispute form giving them permission to dispute the charge and provide a provisional credit to my account. This happened on XXXX XXXX. As of today I have not received my provisional credit and two of my bills came through in which I got a nsf fee. When I contacted them to find out why they told me after the 10 day waiting period I would get the fees credited to my account but meanwhile the two bills were not paid and sent back as nsf. When I asked what happened to my funds being placed back in my account within 24 hrs of my complaint so I would not have to have returned items they continued to tell me it takes 10 days..why would it take 10 days instead of 24 hrs..I asked for a manager they claim no one is available and I would get a call back meanwhile my creditors think I am bouncing payments when that is not trueI demand USAA be investigated for not doing their due diligence in providing a credit to my account to avoid the nsf fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by 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 2022-01-11 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: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NC

Complaint narrative:
Infrequently, I have used PayPal to buy items online. 

Recently, I went to order XXXX  Air Pistol sights online and bought things from a fraudulent store. Unfortunately, I did not discover it was fraudulent till after the payment went through and PayPal did not provide any resolution. I sought resolution with XXXX and the issue was resolved. The amount in question is XXXX USD, but it could have been a larger sum and this had me on high alert. 

Afterwards, I attempted to close the PayPal account. I was able to detach the credit card ( which had been cancelled ) from the account but PayPal will not allow the account to be closed. They do not answer emails, their telephones, and I suppose the next step is to hire an attorney or seek restitution via the US Federal Government on closing this account? As a consumer, I do not know the laws around this, but to intentionally allow fraud, online, across state lines then refusing customers the right to close accounts sounds as if the digital wallet company enables wire fraud and participates in scams? 

Request assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-11 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I explained more than once that I had to have XXXX and was unable to pay in my loan. They call me 30-50 time in a row each day. I have had to block them because of repeated calls. I have asked them to stop and they continue daily, and have been contacting friends.

Company response to consumer: Closed with explanation