vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 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: IA

Complaint narrative:
I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-12-24 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: TX

Complaint narrative:
I was involved in a data breach with XXXX, and I see some inquiries on my report that I don't recognize.

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 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one closed my account for no reason at all. First back in XXXX they had my accounts restricted saying they needed to verify me and all my authorized users. They had me send in a copy of every on DL front and back and social security cards also. After it took them a month in a half they got all of that corrected they fixed my account back to where they unblocked them from being restricted and reported it to the credit bureau that the account dispute was resolved in XX/XX/XXXX. So on XX/XX/XXXX I notified the credit bureaus about an inquiry that was showing for XX/XX/XXXX that I did not authorize. I woke up the next day and Capital One closed both of my accounts. They had me send a letter saying that I have both of my credit cards. I called them back on XX/XX/XXXX to get a update on my accounts that Ive had since XXXX and the man said they closed it for another reason. He never told me why my account was closed. I have never been late and I provide all documents that were requested for the 1st issue. This is has messed up my credit report because they closed my account in error or for no reason. They send a 24 month warning letter on XX/XX/XXXX and I provided information and then they still closed my account. The account was reopened now its closed again after I did my part as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: NY

Complaint narrative:
On XX/XX/2021, I transferred my friend XXXX XXXX {$10000.00} USD using PayPal. This was NOT for a business transaction. This was a one time transaction sending money to friends and family. 

PayPal classified this transaction as a " Business '' transaction and charged a {$300.00} fee. After explaining the situation to PayPal they refused to refund and refused to classify this transaction as between family and friends. 

PayPal transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST
State: FL

Complaint narrative:
we purchased a boat XXXX XXXX ago, paid all payments. during covid we were given payment extensions. loan matured we tried to get assistance to extend loan, but got run around. we told them we wanted to pay loan off, in the process they reported to the credit agency a late payment while we were continuing to pay regular payments. we paid off loan and feel this bank after XXXX XXXX  is scrupulous and operates un fairly.

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 2021-12-24 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: PA

Complaint narrative:
Notes 1681g. Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : I currently have a 12 late payments reporting on my credit report which werent late. I asked for proof and they did not send me any. Ive tried to get them removed multiple times because it is false.

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 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: PA

Complaint narrative:
My card was stolen, I called and filed a dispute with Us Bank ReliaCard but the representative only put down some of the transactions. ReliaCard investigated the claim and ruled in my favor on XX/XX/2021 but only gave me a partial credit. Im owed over {$4000.00} & Us Bank keeps denying whats owed to me after their representative mistakenly didnt add all of the disputed transactions. Ive spent over {$86.00} faxing the documentation needed. Ive had two disputes since then all stemming from the first claim. Everyone in their department has handled it completely wrong. Yesterday I was told by a supervisor that he couldnt do anything so he doesnt know what I want him to do. I just want the remaining portion of my funds issued. Its almost been XXXX XXXX now.

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 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX with account # XXXX .... and XXXX XXXX with account # XXXX .... on my experian credit report is two debts that don't belong to me that I have no acknowledgment about and don't belong to me. These are a result of identity theft whereas these accounts are also in litigation as I am trying to get this off my report as they are not mine and they are fraudulent accounts. Experian fails to acknowledge my demands, and respond to my letters and complaints as in the screenshot I am going to send they deleted 5 credit inquiries from XXXX on 5 different dates but I have never applied for a discover credit card or made applications for credit on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There isn't even a XXXX inquiry on my credit report as the only Chase account I have is in good standing and has been opened from XXXX so how can I have a charge-off chase account balance where I supposedly owe {$1700.00} but I have a current up to date account with chase from XXXX and if I had a collection/chargeoff they would close my other accounts as well? This isn't making no sense and Experian keeps neglecting to respond or meet my demands or provide any type of information.

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 2021-12-24 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: PA

Complaint narrative:
Notes 1681g. Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : I currently have a 12 late payments reporting on my credit report which werent late. I asked for proof and they did not send me any. Ive tried to get them removed multiple times because it is false.

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 2021-12-24 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: PA

Complaint narrative:
Notes 1681g. Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : I currently have a 12 late payments reporting on my credit report which werent late. I asked for proof and they did not send me any. Ive tried to get them removed multiple times because it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
During my stay I applied XXXX for this bill, In fact I sent this information to the hospital through their financial aid department. this company should not be coming after me for 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 2021-12-24 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: PA

Complaint narrative:
I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never 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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are two delinquent charge off accounts on my Equifax and XXXX credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to equifax and XXXX that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are two delinquent charge off accounts on my XXXX and Transunion credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to XXXX and transunion that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 days.

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 2021-12-24 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: PA

Complaint narrative:
I am a victim of identity thief my personal identification and ss # has been used without my consent acquiring to apply for banks, unemployment in different states, hard inquiries that are not from my consent, Ive have tried reaching out to the companys directly no help, I have called the credit report agencies no help, i also contacted the federal trade commission to report identity Theif I was given a ftc report and the credit reporting still wont fix my credit XXXX XXXX and Trans Union reports are Completely wrong

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 2021-12-24 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: PA

Complaint narrative:
I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never authoritized 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 2021-12-24 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: PA

Complaint narrative:
I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never authoritized .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
Direct Recovery Services contacted and left voicemails for me on my mother 's number. There, it identified my name, my account number, the name of this business, and the fact that I owe money. This is not the first time they have done this. I have no clue what these people are after, because they've never written me anything explaining what debt they're allegedly trying to collect, nor have they informed me of my right to dispute. They keep calling nearby individuals, including my Mom, Dad, and brother at this point, and now they've left voicemails, despite me having told them to stop when they first tried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Okay so I am on the fraud list and need to be taken off. The amount I owed has been payed, USAA says that my account has been cleared and that I should be taken off the early warning system. I am in the military and because I am on this fraud list no bank will accept me and I got checks that need to be cashed rather than sit around until they expire. If you can could y'all speed up the process of updating the list or take me off the list. Please and thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-24 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF 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 2021-12-24 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: PA

Complaint narrative:
I am a victim of identity thief my personal identification and ss # has been used without my consent acquiring to apply for banks, unemployment in different states, hard inquiries that are not from my consent, Ive have tried reaching out to the companys directly no help, I have called the credit report agencies no help, i also contacted the federal trade commission to report identity Theif I was given a ftc report and the credit reporting still wont fix my credit My XXXX  and XXXX XXXX reports are Completely wrong

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