vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: NV

Complaint narrative:
These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information 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 2020-12-01 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: Block, Inc.
State: PA

Complaint narrative:
i paid for a course training and a XXXX guy scammed me using cash app one for {$600.00} and the other for {$100.00} in XXXX i would like my money back XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XX/XX/XXXX {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
Company claiming to be PayPal texted me saying someone has withdrawn {$450.00} from my account and notified me of transaction. I replied cancel subscription and cancel order " I did not order. 
they called me on my cell number and told me that someone had hacked into my Paypal account and they would help me close the account and credit me {$150.00}, But I needed to give them my credit card so they could credit me for my inconvenience. I felt something not rite with this and they said they could look into it, by conecting into my computer and they could remove me completely from Paypal thru a program called XXXX XXXX 
I did let them do so but later did not feel good about them in my computer and shut down my system and removed XXXX XXXX. 
Today i got on line and look you up and filed a complaint with you ' Please feel free to call me and discuss. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It as been well over 30 Days and I haven't received any investigation results

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 2020-12-01 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: NV

Complaint narrative:
These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information 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 2020-12-01 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: NV

Complaint narrative:
These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TX

Complaint narrative:
I sent documents to XXXX  XXXX XXXX ID : XXXX ) and Transunion ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response 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 2020-12-01 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent documents to XXXX  ( Tracking ID : XXXX ) and XXXX ( Tracking ID : XXXX ) about a debt from Oportun XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to Oportun ( Tracking ID : XXXX ) but no response either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, COMENITYCB/XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: PA

Complaint narrative:
My social security number is XXXX. This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, snd XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
MoneyLion chooses not to follow EFTA federal law. On XX/XX/2020 tried to withdraw {$120.00} at atm. ATM showed message on screen ( as best as I remember ) saying error contact your bank or card issuer. I received {$0.00} ( XXXX/nothing ) of the {$120.00}. However it still was deducted from balance. This happened to me once before and that time it was corrected quickly itself. So I waited before contacted MoneyLion in hopes it would resolve itself again. But it didnt therefore I filed a dispute claim on XX/XX/2020 by phone then per MoneyLions request signed & completed their dispute form and sent via email on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX sent numerous emails asking for update and asking why if not claim wasnt completed why I hadnt received a provisional credit after 10 days per EFTA federal law? But never once received an response back. Called on XXXX XXXX and 1st representative repeatedly said Id receive a provisional credit on XXXX XXXX. No help. Called back and asked to speak to a supervisor but representative said she needed know why before speaking to a supervisor. Explained everything. Representative said same thing as 1st representative but she stated I wasnt eligible for provisional until XX/XX/XXXX ( Ive had this account for 4 months so I wasnt a new account ). I asked why MoneyLion wasnt following EFTA federal law? Representative only repeated herself about not being eligible till XX/XX/XXXX. I never spoke to a supervisor and hung up on representative out of frustration and anger. This is an atm error. So now I cant pay my electric bill which was due over 2 months ago! Very disappointed with MoneyLion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.

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 2020-12-01 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: FL

Complaint narrative:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens One XXXX  took over my loan from XXXX XXXX XXXX  on XX/XX/XXXX. I have had the same monthly payments every month since then, but on XX/XX/XXXX, Citizens One XXXX XXXX  automatically withdrew {$3700.00} from my bank account without my authorization. My monthly mortgage payment has been the same since we purchased the house in XXXX - {$1400.00}. I immediately called Citizens One and they said the extra payment was because of an insurance charge for flood insurance. Citizens claimed they did not know that I pay this separately every year. Once I showed proof of insurance, they processed a refund check and sent it back to me through the mail. I also canceled my automatic withdrawals and have been sending my monthly mortgage payments via checks through the mail. For some reason, Citizens One continues to send me monthly statements with extra escrow charges and continues to charge me for insurance and taxes that I pay separately every year and have never paid through my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 HONDA FINANCE CORP
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, AMERICAN HONDA FINAN add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Westlake financial services repod my vehicle after all of my bills were paid. Even their records show that I have made my payments. My lawyer told me to contact yall and make a complaint for credit report to be fixed. All they did was fix my credit partially. My score only came back up to half of what it was before their mistake.

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 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOCUMENT TO EXPLAIN IN DETAIL THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

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 2020-12-01 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items 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 explanation
Consumer complaint received 2020-12-01 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: TN

Complaint narrative:
I have previously disputed this account. This is a new dispute with new information. This account is now too old to be reported on my credit report. This account has been " re-aged '' and is violating FCRA bylines by continuing to be reported. 

Account : XXXX XXXX Balance : {$640.00}

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an account with Chase bank for a Southwest Airlines Credit Card. The original limit was {$12000.00}. There is an annual fee of {$90.00}. Shortly after charging and collecting the annual fee, Chase reduced my credit limit from {$12000.00} to {$3300.00}. This reduction was executed XX/XX/XXXX of 2020. I had just paid down the balance from {$12000.00} to {$3300.00} from XXXX through XXXX. The reduction in credit limit put me over my credit limit. I called Chase around XX/XX/2020 and they said they ran their random account review and that resulted in a lower credit limit. I asked why the limit was set below the remaining balance as this would put me over my limit and be consider negative on my credit report. They said it would not show on my credit report as they have not reported it to the bureaus yet. I started receiving credit monitoring notifications from multiple sources ( XXXX, XXXX, Chase ) that I had new negative account activity to include a large reduction in available credit ( lost $ XXXX in available credit ) and a card reporting over the limit ( this Chase account at {$3300.00}, or {$9.00} over the limit ). I don't believe companies should be eligible for charging renewals and then drastically cutting credit limits. They should conduct the review and if there is a change in terms then its the consumers option to continue the account relationship at the expense of the annual fee. That is not fair I paid {$90.00} to have my limit cut by over 70 %. Additionally, I was not provided enough time to react to their insane credit reduction to prevent myself from being reported over the limit. XXXX  weeks is not enough time for them to send me the communication and allow me to take action to reduce the balance before reporting me over the limit. I want any reference to being over the credit limit removed from all bureau reports.

Company response to consumer: Closed with explanation