vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Synovus Bank
State: KY

Complaint narrative:
I have a secured credit card through First Progress ( Synovus Bank ) First Progress Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by XXXX. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. 
When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to XXXX  and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by XXXX  and they had to unsubscribe me. I have audio recordings of every phone call placed to both XXXX  and First Progress. I finally use a phone number found on a older credit card statement and got a representative from XXXX  who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through XXXX. I would like to completely cancel anything to do with XXXX  and get a refund for {$43.00}. I have lost faith and all respect for both XXXX  and First Progress credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MO

Complaint narrative:
My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX  {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 XXXX XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX XXXX {$100.00} 12 ) XXXX {$20.00}

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 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been a victim of identify theft and fraud, having multiple withdrawals from my EDD account, with a card issued by Bank of America. 

On XX/XX/2021 my husband drove me to the bank to cash my XXXX. There was no money available, so checking my statement I saw that on XX/XX/2021 {$1000.00} was withdrew from the account, and on XX/XX/2021 {$20.00} was taken, leaving the account almost empty, since my XXXX amount was {$1000.00}. I called Bank of America immediately and opened a claim, which it has been denied without any explanation or reason. Claim number XXXX. I had explained to Bank of America that I was XXXX couldnt not even drive on my own. I had the card with me, and nobody had access to it. I bagged them te refund the stolen amount since I had to pay for my health insurance before XXXX XXXX 


On XX/XX/2021, {$1000.00} was again taken from my account. My baby was XXXX XXXX XXXX  and because I was recovering from XXXX XXXX XXXX and because the pandemic I didnt leave the house on my own. I called Bank of America to inform but never received a communication about a second claim. 

In desperation, I called the police. Attached is my police report information. 
Station : XXXX XXXX  Report number : XXXX Classification : identify theft Date : XX/XX/2021 Deputys name : XXXX XXXX I have tried to call Bank of America numerous times to reopen the claim unsuccessfully. Besides the attendants from XXXX  been impolite, the calls always fail, or suddenly the attendant can not hear me anymore and asks me to call again. So I am unable to reopen the claims and have this matter resolved. 

Bacause I cant communicate with them over the phone, I sent them an email today, XXXX kindly asking Bank of America to reopen my previous claim, and investigate the third illegal withdrawal where {$1000.00} was stolen from me, and to refund my account with the total amount of {$2000.00} that EDD deposited as my XXXX. 

Highest regards, 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 2021-07-13 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: CA

Complaint narrative:
I noticed fraudulent accounts on my credit report which led to me filing a FTC report. I mailed the report certified to Transunion and it was received by Transunion on XXXX XXXX. I have a green receipt of reception from Transunion in which I have included in this complaint. I also made a complaint prior to this one which was XXXX and Transunion said they needed my authorization so they can proceed/block the fraudulent accounts. These complaints are being made by me and no one else. You have my authorization to delete these fraudulent accounts and inquiries immediately. I have provided a copy of my social security card and proof of address to confirm that I am making these complaints. You are taking advantage of me and infringing on my consumer rights. These fraudulent accounts should have been deleted/blocked from my consumer report MONTHS ago, but yet you are still taking unjust advantage of me. You are hurting my reputation with the banking system and I'm unable to access my full faith in credit! Not only should these accounts have been deleted, but they never should have been furnished in the first place. Pursuant to 15 usc 1681a ( 2 ), which is the EXCLUSIONS section, consumer reports should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. CREDIT CARD meaning my social security card pursuant to 15 usc 1602 ( L ). I DEMAND THAT YOU DELETE the fraudulent accounts NOW! I also never gave you WRITTEN PERMISSION to furnish ANY of these accounts pursuant to 15 usc 1681b ( 2 ). My consumer rights and my right to privacy are being violated KNOWINGLY!! I WILL SUE!!

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 2021-07-13 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: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. Once the FTC Report and documents to verify my identity were sent, Equifax, XXXX, and XXXX  Failed to delete the items that were disputed as debts which resulted from identity theft. Which is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app was suppose to direct deposit my income tax refund this year and I have not received it yet from the irs. I have called the cash app team along about this issue and other relating issues but they have not resolved my problem and only provided a reference number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TX

Complaint narrative:
Good day, please assist me in getting an answer about why each credit bureau Transunion, XXXX  and XXXX  have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.

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 2021-07-13 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: CA

Complaint narrative:
Paypal limited/locked my account with a balance of {$3100.00} for over 180 days and then sent an email that I can withdraw the pending balance. I contacted PayPal customer support about the issue and they claim to have lifted the limit, but it's a lie. On XX/XX/2021, I unsuccessfully tried to withdraw the amount, getting an error that my account still has issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
This account is identity Thief and not mines would like it removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MO

Complaint narrative:
There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 ) XXXX 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 2021-07-13 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: MO

Complaint narrative:
The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) 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 2021-07-13 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: MO

Complaint narrative:
There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MO

Complaint narrative:
There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 XXXX XXXX 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 2021-07-13 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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:
The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) 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 non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Well the scammers had put XXXX into Wells Fargo bank account and that money was from the PPP loan and after the fraud department did some investigation on my account they return the money but in order for me to close this account for good I had to find who to return the PPP loan money back too

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 2021-07-13 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: TX

Complaint narrative:
Good day, please assist me in getting an answer about why each credit bureau XXXX, XXXX  and Equifax have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.

Company response to consumer: Closed with explanation