vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit ReportXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II 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 30 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, XXXX, XXXX  and Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is Synchrony Bank JC Penney. I have not done business with JC PENNEY for over 8 years.

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC
State: MN

Complaint narrative:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX  and 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, Experian, XXXX  and 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 2021-06-15 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: TX

Complaint narrative:
I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX  Saturday, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX  Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX Saturday, 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 non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My business was ran thru my personal checking account.. I got overdrawn by {$25.00}, the first time ive ever been overdrawn, stayed in contact with the bank to let them know money is coming its just 2 months late. Friday eve at midnight they charged off the account, no warning, even apoligized later that they didn't call prior tho I had been in contact with them and " everything is fine '' according to customer service. Monday morning my deposit hit, {$9300.00} and I call them to reactivate the account and they wouldn't they had to wait for it to close and I could reapply. I said well where can I pick up my money im going to bank elsewhere! I was given this run around that it would take 3 days to close, I would for sure have it released Thursday. 

I called daily and asked status, I was told a different story each time I called until one lady slipped up and told me I wouldn't be getting my money bc its fraudulent I would have to wait for a 15 day investigation. Im livid at this point. CapitalOne is my checking account, they are not the SBA nor are the my two lenders that procured the deposit. They have no business pulling something so shady when they could be focus on real fraud within their own bank. I need help getting my funds back so I can hopefully unflop my defaulted business before its too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I got my credit card numbers stolen from someone in XXXX, Maryland and they charged {$420.00} at XXXX XXXX online purchase I did not authorize. I need help recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
XXXX/XXXX  xxxxxxx XXXX I completed the Student Loan Rehabilitation Program so this account should NOT be reporting any LATE payments. Correct or delete the account right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NC

Complaint narrative:
just received a notice from A.F.N.I. debt collection from an old XXXX XXXX account that was fraudulent being misspent on female graduate student former employee 's their last count was around 5 different females the store owner was XXXX  around with. after non-approriate action to close out account i the consumer had to cancel services with company after bill kept going up for no reason with the auto payment withdraw from checking account was being over-billed and after going to store to complain about the bill i was asked to leave and do not return all monies was receive and manager was satisfied with response on this timely manner situation. so, i left and started making payments in XXXX, n.c. and reached out to an employee their who was promoted to mgr position following her prmotion from XXXX site to XXXX and i explained too her what was going -on their at the XXXX site location, and she inform myself to turn in the devices that i had a contract with that was paid for at the XXXX  site and inform the manager that an complaint would be filed for fraudulent overdraft withdrawal from my checking account, and now the store is closed, the women the manager was XXXX XXXX  with are now managers in XXXX XXXX n.c. and XXXX  XXXX s.c. and store managers in georgia as well. so, here i am complaining again for the 3rd time in 3yrs too close out account, this bill for {$1300.00} can go right back to the employee 's pocketing the money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I attempted to transfer money into my XXXX XXXX from my credit karma account. The request was declined. I called and was advised my account was frozen. They have been unable to tell me why. The account has XXXX that was credited to my business due to COVID closures. They have yet gotten back to me and I need to access my funds to continue my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX  and 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for TXXXX Experian, XXXX and 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, XXXX, XXXX  and Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have tried to resolve the issue by contacting Synchrony Bank since XXXX. I have contacted them about this Lowes account on several occasions to inform them that it was identity theft. The last Statement I received was on XXXX for {$10000.00}. They always respond with they will do an investigation but always have come back with I am still responsible for the bill. I have also had the same problems with Synchrony Bank concerning TJX dating back to XXXX for a statement of me owing them over {$2100.00}. I have contacted business consumer alliance in regards to this matter however After two attempts they did not get a response.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX and 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, Experian, XXXX  and 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 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have this accounts that does not belong to me and i want them to be eliminated from my credit report. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Systematic National Collection, Inc.
State: AZ

Complaint narrative:
Systematic National Collection is damaging my credit reports, yet has not validated that I owe them anything. There is no proof of a signed contract between myself and SNC. Also, SNC is not licensed with the State of Arizona, a state in which I reside. I am also filing complaints with both the AZ Attorney General and the CA Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II 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 30 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: O'Kelley & Sorohan, Attorneys at Law, LLC
State: GA

Complaint narrative:
My experience was the absolute worst. We received a XXXX ( HUD ) statement with our name and someone else address. The pre-closer XXXX XXXX never noticed the error. XXXX XXXX never called to advise on any updates. No phone call was returned until I called their corporate office. Then she requested, I request all my own pay offs and have them sent directly to her, which was completed numerous times. I also addressed all the incorrect documents. I contacted /emailed the acct manager but to no avail, still no returned calls. The only way we received updated on our closing was to call several times on the closing date until someone was able to confirm the cancellation. Two days prior to the closing XXXX XXXX requested I get a new payoff since she does not have access to my service mortgager acct. Consider my closing was delayed by two months, she should have requested access to my servicer so she could have access to my mortgage info. This confirmed that none of my documents were worked on by the firm. I received the settlement statement 4 hours prior to the closing which is unlawful. Its now the XXXX the day after closing and we still havent received a congratulatory letter or the wire info per their closing attorney. After further research, I came across similar complaints from many XXXX American clients. It makes me wonder if there was an alternative motive to my poor experience. This type of treatment is unfathomable and very unprofessional. I would never refer anyone to such unprofessionalism and XXXX treatment. 

XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Paypal has never allowed any transactions to process unless i had the available balance in one of my link bank accounts. I attempted to make a purchase with on a thirdparty website that accepted paypal for payment. The third party accepted my payment method of paypal. While processing payment i ended up short on funds so there was not an available balance dor processing. This happened with 12 hours of placing my order. Since paypal had never prior processed a payment with having an available balance to do so. I believed that my order would be canceled which had happened everytime before. I received a package 2 weeks later from the third party company and had no idea how. My bank accounts were not negative {$170.00}. I checked my paypal wondering how i got this package and i discovered they suddenly decided to grant me pay later when i was previously never allowed. All done without my knowledge ans authorization

Company response to consumer: Closed with explanation