vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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: WA

Complaint narrative:
After filing my complaint with your agency regarding Experians fraudulent marketing activities targeting the very consumers they claim to be helping rebuild their credit and protect them from identity theft, your agency forwarded my complaint to Experian. 

However, their response was NOT related in any way to the nature of my complaint. I notified your agency of this fact several weeks ago, yet I have gotten zero response from you. Why? I hope your agency does not intent to simply ignore my complaint which was not resolved. 

I look forward to your reply. 

Thank you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: IL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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:
I have sent Equifax three dispute letters, verifying my identity and requesting investigations of errors on my bureau file. I have requested that the results be documented and mailed to me at the address that I provided. Please see attached as evidence of the letters and the dates in which Equifax did not respond by 30 days. Each a violation resulting in a fine of {$1000.00}. 

Action : They refuse to correct information after being provided proof of inaccuracy. 
Violation : Defamation, willful injury Legal Jurisdiction : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 

Action : Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) Violation : Consumer Protection afforded by the FCRA Legal Jurisdiction : FCRA Section 611 Part ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent TransUnion three dispute letters, verifying my identity and requesting investigations of errors on my bureau file. I have requested that the results be documented and mailed to me at the address that I provided. Please see attached as evidence of the letters and the dates in which TransUnion did not respond by 30 days. Each a violation resulting in a fine of {$1000.00}. I also provided a copy of the XXXX report displaying no information for the information that was stated to be confirmed during the investigation. 

Action : They refuse to correct information after being provided proof of inaccuracy. 
Violation : Defamation, willful injury Legal Jurisdiction : FCRA XXXX XXXX XXXX XXXX TRANS UNION XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 

Action : Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) Violation : Consumer Protection afforded by the FCRA Legal Jurisdiction : FCRA Section 611 Part ( A ) ( 1 )

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 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have 2 hard inquiries that I dont recognize. I think at those 2 time that I applied for credit card but got denied.

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 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
To whom it May Concern : I applied for credit from American Express Serve only because my account with XXXX and XXXX was closed. I contacted XXXX and XXXX and they said for them to credit me the date of the transaction. This is what XXXX done to my account. 
Provisional Credit for Dispute XX/XX/XXXX {$190.00} Now on XX/XX/XXXX The Provisional Credit Reversal XX/XX/XXXX - {$190.00} These funds were not supposed to be reversed out. 

I am seeking these funds back into my account. 


This is the letter that was sent by XXXX  and what American Express Serve was supposed to do. 

XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX XXXX GMT+5:30 Hello XXXX, Thank you for reaching out to us through the XXXX XXXX XXXX  XXXX My name is XXXX and I am a manager of XXXX 's Customer Support team. I have reviewed your most recent comment and all internal XXXX correspondence. 

Regarding your complaint : I am really sorry for any confusion or trouble. As we mentioned before, the disputes filed for the XXXX purchases were resolved in your favor. In this situation, we recommend reaching out directly to your financial institution to resolve the issue. 

Thank you for your understanding. 

Regards, XXXX XXXX Manager XXXX Customer Support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: VA

Complaint narrative:
I attended the University XXXX XXXX University  online fall 2020. I received a unsubsized loan and subsized loan from the Department of education. I currently have a XXXX gpa at the school. I received an email on XXXX XXXX stating I have a balance and they were sending it to a collection agency. I email XXXX XXXX back and stated that my balance is handles by loan servicer. These are not private loans are money given to me the school. The loans are already included in my educational loan debt. I even verified by accessing my national student loan data and speaking with my loan servicer. So the XXXX XXXXXXXX XXXX  sent my information to a collection agency anyway. Im assuming the collection agency obtained my phone number from the school the called several Times in a XXXX period I explained to one of the representatives at reliant that those arent private loans they were issued by the department of education. I the unknowingly received an email from the collection agency that I didnt even give my email to stating they send over the information I requested I didnt request any information because I can see my study account even on the statement it shows I received loans which are serviced by XXXX XXXX. The company is desperately trying to collect money that they dont have a right to collect and so is XXXX University XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have attempted to have Experian remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.

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 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My entire personal checking account was frozen by XXXX after a XXXX  Grant deposit on XX/XX/XXXX. It was for the EIDL Targeted XXXX. Prior to this recent deposit I had an EIDL loan of {$88000.00} on XX/XX/XXXX without any issues at all. At this point I don't know the precise amount of money that is frozen because I have zero access to the account. Online account and ATM card is locked as well. However, the amount frozen is around the neighborhood of {$250000.00}. 


When I learned that my account was frozen I immediately called the number given to me by Chase. My first attempt to call ( XX/XX/XXXX ) and was on hold for XXXX XXXX  before I was cut off. I tried again in a couple hours and was on hold for XXXX XXXX and XXXX XXXX. I was again disconnected without being able to speak with anyone. I will provide a screenshot of my call as it would seem unbelievable that Chase would have such a long hold time. 
I decided to visit my local Chase branch after not being able to get a hold of anyone. The branch manager informed me it was due to a recent XXXX deposit. The instructions on their computers was to provide proof that I was in business prior to XX/XX/XXXX. The Chase branch manager was able to contact someone at Chase Fraud Dept and they instructed me to prepare my XXXX 1040 Schedule C ( Profit and Loss ) and my XXXX loan documents and have the branch manager send it to the fraud department. My ID and ATM card was provided as well. I felt this was a fair request and was all done on XX/XX/XXXX and was instructed to come back next day to see if there is any update. 


I visited my local branch again on XX/XX/XXXX and my branch manager was able to contact the fraud department. We were informed that the documents have been received. However, the person at the XXXX XXXX department wanted EIN numbers and not my social security number on the returns. Prior to obtaining my XXXX EIDL Loan I had made sure that sole proprietorships without any employees can apply. My loan officer assured me that I could apply using my social security since I was a sole proprietor without any employees. My hard credit pulls from the XXXX were all done by my Social Security number. My tax returns on my business uses my social security and I'm listed as a sole proprietorship with the IRS. Many gig workers, independent contractors and sole proprietor qualified and received the loan. 


Since XXXX requires my EIN to be established before XX/XX/XXXX in order to unfreeze my account I'm out of options. Basically, filling for a XXXX today would not help. My loan docs and tax returns matches my bank account info. The tax return proves I was in business for the year of XXXX. This bank account is around XXXX XXXX XXXX as well and never have been frozen. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I disputed this debt its been over 30 days no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment

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 2021-05-02 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: SC

Complaint narrative:
Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: AZ

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. 
I received email after 180 days about my money is available. 
10 months waiting for PayPal and they do not help me withdraws my funds. 

PayPal do not respect their own polices, why they keep my money hold if i received the email money is available. 
I don't want PayPal anymore but I just want my money now. 

i guess PayPal should improve the services to customers. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-02 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: CBC Companies, Inc.
State: MD

Complaint narrative:
On XXXX XX/XX/XXXX, I received a letter from Innovis ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) dated XXXX XX/XX/XXXX. 
" Per your request a Security Freeze is in place on your Innovis Credit Report. We are writing to inform you that the following information was recently added to your Innovis Credit Report -The Birth Date XX/XX/XXXX was added on XX/XX/XXXX I do not have a relationship with Innovis XXXX 
I did not request a security freeze I did not add a birthdate. 
In order to challenge this information, Innovis wants copies of my Social Security Card ( I have been told to never provide a copy of my SSN ), Driver 's license, address history, and the PIN code from the freeze. Since I didn't initiate the freeze, I don't have the PIN. 

I am the recent victim of identity fraud and severely limit the distribution of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
XXXX XXXX had reported a frivolous collection on my credit report, that had frivolous charges associated with it for which I was about to file the attached lawsuit against them for. 
XXXX XXXX agreed to remove the account following notice of legal action, ( see attached letter of deletion from XXXX XXXX However now United Collection now is reporting the account. 
I am hereby serving notice to United that I am disputing this debt and I refuse to pay it and I will proceed with filing a suit in the even United continues its collection endeavors and reports this account on 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 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXX I was getting help registering a tv and the man locked my phone and sweeped my accounts, he transferred money to his XXXX resulting into {$1300.00} .I contacted Navy Federal and when I made the claim they denied it saying by letting the gentleman fix my tv I gave him full permission to sweep my account and they would not fix it .I tried to contact someone above because I did not accept these charges, my phone was locked and they breached into my banking info and sweeped my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a fraudulent cashiers check and the bank processed the amount of {$8900.00} after I deposited it in the Wells Fargo XXXX on XX/XX/2021. It went into my account and i was asked to pay {$3800.00} for fees by the scammer. I did so on XX/XX/2021. Later that evening the bank took the {$8900.00} out of my account flagging it as not legitimate and needed until XX/XX/2021 to verify. However by then, the payment i sent out subtracted causing my account to be out into the negative by thousands of dollars. I contacted the bank and all they told me was to file a police report and there was nothing to do to stop the transfer i sent out or cancel anything else.

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 2021-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have attempted to have XXXX remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.

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 2021-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have attempted to have XXXX remove an unauthorized XXXX XXXX with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MO

Complaint narrative:
A letter was sent to Equifax in XXXX demand a method of verification for a bankruptcy being reported on my credit report. They failed to provide verification with the original creditor the courts to show the bankruptcy on my report was valid. They failed to remove this inaccurate information from my credit report and this is a defamation of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MO

Complaint narrative:
I sent in a letter to have unauthorized fraudulent inquiries removed from credit report to Equifax. I asked them to investigate them and have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Fidelity LP
State: FL

Complaint narrative:
Twice already in 60 days this collection agency sent me a letter about an alleged debt that I owe. Twice already in 60 days I've asked this collection agency for verification of this alleged debt. Twice already I've given this collection agency the 30 days permitted by law to provide me with verification of the alleged debt. This collection agency has now had 60 days to provide me with verification of the alleged debt. This collection agency failed to do so. This collection agency continue to harass me with collection letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation