vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: TX

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
These venmo people are ridiculous. So basically I got one payment last year from someone, then boom Im banned for so called violating something? No sort of violated occurred it was a {$20.00} payment and then boom I get an email Im banned well my account is frozen from even using the app, and I even tried to make another and I linked my card to that one, and that one became locked with {$200.00} dollars on it! I need both of my accounts unlocked! This is robbery without a gun basically and they want me to wait 180 days to get my money? And honestly its not even much about the money. Its how they locked me from using their app ever again! Violated terms of service how? No sort of customer service or ANYTHING. I provided my ID, I provided the info they asked to unlock and nope no help or anything. This is absolutely disgusting and absurd. I actually thought venmo was a really good app to use instead of unsecured payment apps like cashapp etc, but no they seem really sketchy for doing this to me. I would like my accounts back. Or at least of of them since I didnt violate any rules in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I applied for the loan, on XX/XX/XXXX, I was told that it would take 30 days to approve and close on the loan. Then I was given a close date of XX/XX/XXXX, about 75 days. I let Wells Fargo know that that should have been made more clear before we began the process and I would do everything possible to get them the info they needed to expedite my loan. 

They would get my information, take a minimum of two weeks to review the information, sometimes a bit more, then tell me that they needed more information. I discussed these issues with a supervisor about three times. 

They never said yes, never said no. They just kept asking for more and more information. Then, about the time that the loan was supposed to close and they asked for more information, I told them that this was not working. I asked that a complaint be made on my behalf. And, I requested a refund for the appraisal cost. They refused the refund. 

Then I began to work with another lender. I asked if the appraisal that I had could be used in order to avoid paying for it twice. They gave me the requirements and I sent them to Wells Fargo. It was denied. 

Then I got a letter from Wells about my complaint and they gave me a contact. I discussed my request for the information to transfer the appraisal to my new lender, XXXX XXXX XXXX  XXXX, and she tried to get it done for me. I sent her the list of what was needed as I had sent before. 

She was supposed to have our complaint closed out by XX/XX/XXXX. They did not meet that deadline. However, I was told that they would meet our request. And, then they sent everything EXCEPT for one document. We asked them to send it. They refused. 

So, now, I spent additional time, had to pay to hold the rate lock on my refinance and still pay for another appraisal, all because Wells Fargo was not competent enough to handle a loan application in a timely and professional enough manner.

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 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I am not liable for this alleged debt debt with XXXX XXXX XXXX XXXX, and I absolutely not have a contract with Commonwealth Financial Systems. Plus they did not provide me with the original application like I asked after they illegally placed this negative account on my credit reports without sending me a dunning letter in the first place. 
Account # : XXXX Amount : {$390.00} I demand that they close this account and delete it from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX and XXXX sent letter for equifax to remove these paid collections and they are still appearing on my credit report. This is hurting my credit really bad. Equifax need to remove these XXXX XXXX/ XXXX and XXXX  from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it, its giving me headaces and causing actual damages to my life

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 2021-09-10 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: IN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports.This creditor has reported a late payment XX/XX/2020 to my report. Which is incorrect and I am asking this to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Peter and Roberts sent letter for XXXX to remove these paid collections and they are still appearing on my credit report. This is hurting my credit really bad. XXXX need to remove these XXXX XXXX/ peter and roberts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/XXXX. I began the application process for XXXX  housing with XXXX XXXX ( new name is XXXX ) owned by XXXX XXXX XXXX. The application was for the XXXX school year since there was a promotional discount offered. 
I did not complete the application, nor did I sign a Housing Agreement, yet in XX/XX/XXXX they sent me a collection notice that I owed a full year of payment : {$5500.00} for not moving in. 
I have tried repeated attempts to resolve this with the company, yet they sent this to their collections department, then to a debt collection company, National Credit Systems. I contacted them to resolve this with no avail. In XXXX of XXXX, I was contacted by one of their lawyers, XXXX XXXX. I responded to him as well and directed him to contact a manager at the apartment company, XXXX XXXX, with whom I had already spoken and verified ( I have the conversation recorded on XX/XX/XXXX ) that they have no claim against me. He also volunteered the information that I was not the only person dealing with this type of situation. 
National Credit Systems has since reported this fraudulent debt to the credit reporting companies. As a result, I have been denied other apartment housing and I suspect that I have been denied several employment opportunities as well. 
Lastly, I reached out again in XXXX of XXXX to another manager, XXXX XXXX, to see if the company would do the right thing according to section XXXX of the Fair Credit Reporting Act and expunge this from my record. After some initial responses, he has stopped all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I did not give XXXX XXXX XXXX permission to run my credit on XX/XX/2020 I asked for the information to be removed 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 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on 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 2021-09-10 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: TX

Complaint narrative:
To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HERE IS THE LIST To my knowledge there were inquiries with transunion, XXXX and 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 2021-09-10 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: OR

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: MD

Complaint narrative:
I the consumer did not consent to authorize nor benefit from the following inquiries. 
1. XXXX - XX/XX/2021 This is a violation under false pretenses and knowingly without a permissible purpose and makes them liable pursuant to 15usc1681n ( b )

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 2021-09-10 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: IL

Complaint narrative:
XXXX XXXX {$650.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX, XXXX XXXX  {$9500.00} XX/XX/XXXX, XXXX XXXX XXXX {$5800.00} XX/XX/XXXX, XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XXXX XXXX  {$220000.00} XX/XX/XXXX, XXXX XXXX  XXXX {$220000.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$220.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$400.00} XX/XX/XXXX. I have reached out to each individual creditor listed above letting them know that I have never opened, used or applied for any of these accounts. I have filed an ftc report and they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: IL

Complaint narrative:
XXXX XXXX {$650.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX, XXXX XXXX  {$9500.00} XX/XX/XXXX, XXXX XXXX XXXX {$5800.00} XX/XX/XXXX, XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XXXX XXXX  {$220000.00} XX/XX/XXXX, XXXX XXXX  XXXX {$220000.00} XX/XX/XXXX, XXXX  XXXX/XXXX  {$220.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$400.00} XX/XX/XXXX. I have reached out to each individual creditor listed above letting them know that I have never opened, used or applied for any of these accounts. I have filed an ftc report and they refuse to remove them.

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 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NV

Complaint narrative:
After auditing my credit reports, I discovered that Enhanced Recovery Company is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with sprint, never done any business with Enhanced Recovery Company, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$560.00} " open date '' reporting : XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
After auditing my credit reports, I discovered that Phoenix Financial Services is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with XXXX XXXX  XXXX, never done any business with Phoenix Financial Services, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$260.00} " open date '' reporting : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to XXXX  heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.

Company response to consumer: Closed with explanation