vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: NY

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, Equifax and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXEquifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: NY

Complaint narrative:
TransUnion, XXXX, XXXX and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



REGIONAL ACC TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 2020-05-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, Experian, XXXX and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 2020-05-29 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: FL

Complaint narrative:
I contacted all 3 agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.

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 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I attempted to buy a ladder online. Apparently the company is not legitimate because they never sent the ladder and they are unreachable. I used PayPal to pay for the purchase. PayPal claims to offer Purchase Protection in cases like this. I have asked PayPal, through the PayPal website, numerous times to refund my money. But since they are on limited staff due to covid19, they won't answer the phone. They immediately close the claim and they don't refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from Capital One. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from Jpmcb Card. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2020 I recieved a inquiry from Syncb/Lowe 's XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.

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 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Im getting accused and charge a fee for something I have no control over its has really been a struggle and stressful. I cant afford to pay the XXXX to get off my credit. I have been trying get this deleted off my credit for 2 years now. I have tried to dispute and it keep getting denied. Im a single mother of XXXX  I cant get a decent place to live because of this false debt that Im getting accused of please help me Im desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Today, XX/XX/28, I spoke with XXXX from Transworld, who advised that he is the director. XXXX advises me that he has the authority to extend a payment agreement, but that I would have to send proof that I am awaiting a withdrawal check in the mail. He threatened that he will report this to my credit if he feels that I am lying. After multiple calls with XXXX and feeling pressured and threatened ( by advising that they WILL report to my credit and not grant me time to pay ), I paid the balance using funds that were not meant to be used on this debt. I and my mother have been harassed by this company. I was advised on one call that they reviewed my mothers assets and that she could pay for me, instead of listening to me advising that I had the money, but needed a few days to wait for a check that I was expecting due to a withdrawal that I made in order to pay this debt. The first time I spoke with this company, I was advised by XXXX XXXX that I should not be calling unless you are paying now. This was after I received notice from my mother about this debt and was calling for information because this company never contacted me. XXXX also advise me that he is not here to help the consumer get whats best for them, but to help my client get whats best for them. I dont have to work with you. I have a monthly quota to meet. This has been a very stressful week of dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: FL

Complaint narrative:
EXPERIAN REPORT NUMBER : Report Number : XXXX I'M VERY DISAPPOINTED ON HOW Search Results Web Result with Site Links Experian HANDLED MY REPORT IVE SUBMITTED OVER 7 DISPUTE THRU PHONE CALLS AND ONLINE AND EXPERIAN FAILED TO SOLVED THIS ISSUE EXPERIAN EVEN WROTE ME BACK SAYING I WASN'T THE ONE FILING THIS COMPLAINT WHICH IS NOT TRUE I DON'T EVEN THINK EXPERIAN EVEN READ MY FIRST COMPLAINT I EVEN READ OTHER PEOPLE FEEDBACK 'S THAT HAVE THE SIMILAR PROBLEMS EXPERIAN LEFT THE SAME EXACT RESPONSE AS THE ONE THEY LEFT ME I THINK THE CFPB SHOULD INVESTIGATE THIS MATTER 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I tried to make a purchase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not had it approved when I had over 4- {$800.00} available on my credit card he purchase is to provide for my 2nd Amendment Rights as an enlisted serviceman I demand that this be rectified. As I believe they have an associate which had a poor relationship with me XXXX XXXX which I filed multiple EEOC compliants XXXX XXXX XXXX v. CITI. If he is interfering with my credit account he is committing a federal offense amount the others he has for his displays of blatant racism. Customer Service Rep XXXX XXXX failed to provide excellent service.

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 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
At about XXXX on XX/XX/2020, I was trying to sign into my XXXX account and I was unable too, after several attempts I was unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled i had received a text message earlier in the day stating my phone number had been disassociated with my cashtag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email i immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me. 

I immediately started looking for a phone number to contact cashapp, to my dismay they do not have a phone number and the only way I could contact them was via email, i proceed to send an email to cashapp right away making them aware of the fraud and i was no longer in control of my chashtag, the next day I was hoping to have received a response from cashapp since the issue in question has to do with fraud, being a financial company I expected issue like this will be treated with high priority, cashapp finally responded 24hrs later, in the time it took them to respond, I had someone send me {$470.00} to my cashtag account, this was after I reported the incident already to cashapp. 

the email from cashapp ( XXXX : ref ) asked me to provide some information, which I did, I waited for another week and contacted cashapp again requesting for an update, to my surprise cashapp claimed from their investigation, I gave my cashapp information to a 3rd party ( which i never did ) and there was nothing they could do about missing funds, and my best option was to dispute it with my bank, I sent a response back to cashapp requesting to know what happened to the {$470.00} that was sent to me after i had already reported the fraud, their response was the money is lost, and there was nothing they could do about it. 

I'm attaching evidence to show proof my email was hacked, also proof of funds taken from my bank account, finally additional funds sent to my cashapp account after I reported the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AL

Complaint narrative:
I have tried many times with you guys to get this resolved. Transunion is still reporting a Public Record of a Bankruptcy on my credit report. I've asked for 8 months now to either provide proof of where you got this information from or to delete it from my report. Even recently as of XX/XX/XXXX, I requested proof or deletion of two items. Transunion deleted one item and ignored the current account in question. I have a paper trail showing this neglect has been going on since last winter. I even did my own investigation, went down to the courthouse, obtained proof that my name is not associated with any bankruptcy reported to Transunion ( attachment included ). I went through this with another bureau and they suggested that this information may have come from a 3rd party ( XXXX XXXX ). I reached out to XXXX XXXX and they too said I am not in their records with a Bankruptcy. I provided them proof and they deleted this from my credit report. I am including both letters and asking once again for you to delete this Bankruptcy from my credit report. Please do not ignore this request. I have a paper trail of certified mail dating back until XX/XX/XXXX requesting verification and you have yet to send anything. This is an FCDPA violation with multiple offenses.

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 2020-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: FL

Complaint narrative:
We closed on a new purchase VA loan with Supreme Lending last week. We had horrible communication ( not answering or returning phone calls for days and not knowing where our loan was in the pipeline ) from the moment after we agreed to use them and paid ( up front and out of pocket ) for the appraisal on. The amazing rates which I was quoted at first disappeared once it was to late to switch to a different lender and went up despite market rates going down. We ended up closing late because the loan officer XXXX XXXX not getting our closing disclosure out on time. She neglected to tell anyone that closing would be delayed by several days ( which could have cost us this home ) until 20 hours before closing was supposed to take place even though she had known for 3 days. This delay cost us hundreds of dollars and we barely got an apology. This was our 5th home loan and the most stressful and decietful loan officers I have dealt with. Avoid XXXX XXXX and Supreme Lending at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
During this Covid-19 crises our XXXX XXXX had to close its doors, we still have not been able to reopen. There is has been so much confusion and misinformation out in the world during this crazy time. I contacted my credit cards and mortgage company letting them know how our family has been affected by this crises. I was told there would not be any late charges or credit reporting during this time. Nordstroms may have been missed in all of this, XXXX of 2020 they gave me a 30 day late, never called me and then in XX/XX/2020 they gave me a 60 day late. They finally called me after the 60 days to inform me they dinged my credit. In all of this we have had to sell our home, lucky we found a buyer quickly but now no lender will give us financing to purchase our new home because of the 60 day late charge. I don't believe this is ethically fair with all that is happening in our country. I have been a loyal customer for 13 years.

Company response to consumer: Closed with non-monetary relief