vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: FL

Complaint narrative:
capital one bank usa reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
I was checking my credit report and I noticed that my credit score is low. I dont understand why you put this information, I dont even know these accounts

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 2021-10-27 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: NY

Complaint narrative:
I was checking my credit report and I noticed that my credit score is low. I dont understand why you put this information, I dont even know these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Hawes Klein LLC
State: GA

Complaint narrative:
I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
I am a victim of identity fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw equifax, & my info is on the black web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This company has inaccurately reported late payments on my consumer report. This account contains a finance charge, which is the sum of all charges, therefore the account was paid in full the moment it was opened. I am the original creditor who has granted these creditors the right to extend my credit back to me and they are attempting to say my payments were late. I've also filed a fraud report stating that these alleged late payments were all unauthorized during the months they were late and they still refused to update these payments.

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 2021-10-27 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA was bought by PNC No access to phones, lobby full.

Auto bill pay sometimes works, debit card not always accepted. Deposits not credited. 
Since XX/XX/2021 Tried calling and stopping by. I cant waste any more time with these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I leased a vehicle back in XXXX with Ally finance I address my issues in regards to my fees last XX/XX/XXXX I am still paying, I have reached out to them multiple times to please show me why the extra fees to also send me a detailed of those fees so I can dispute them, I havent got a detailed mailed to me or any results and every time I make a payment I see another fee added to my account last month my pay off was XXXX and now this month its XXXX Ally financial is charging me {$780.00} in additional fees. I honestly think that Im being ignored and taken advantage of as a consumer. I would like to know if there is anyway I can solve this problem. 
I can be reached at this number XXXX Thank you

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 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Our small business checking account through BBVA was acquired by PNC. PNC refuses access to online statements prior to XX/XX/21. The nearest branch stated that statements can be mailed for a fee of {$15.00} per statement and that online access to statements from BBVA are no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
Hello, and to whom it may concern, I've having ongoing issues with XXXX. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. XXXX are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
Hello, and to whom it may concern, I've having ongoing issues with Experian. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. Experian are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.

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 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit
State: KY

Complaint narrative:
My loan with VW Credit originated in the State of XXXX. End of XXXX, I moved to XXXX XXXX. Since XXXX I have been trying to get a state transfer to my local County Office that handles auto registration. I spoke with XXXX at VW Credit who stated it was electronic, but he would have this info sent on XX/XX/2021. No info arrived to my Clerk 's office so I then called and spoke with Manager XXXX on XX/XX/2021. 

VW Finance will not send the document I need to transfer my car and get it registered in XXXX.

This is ridiculous, I have already went thru two temporary license tags.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I have had this mortgage since about XXXX and therefore have made over 120 mortgage payments on this account to M+T Bank and its predecessor. I have never been thirty days past due on this or any other mortgage, ever. 
In XXXX of XXXX I had approximately {$200000.00} in my checking account and so there is no financial hardship. I have complete ability to pay a {$2800.00} mortgage. 
On or about XX/XX/XXXX, I attempted a payment by phone of the mortgage payment at the phone number identified on the XXXX mortgage statement. I have done this routinely over the years without an issue. The payment was noted to be completed and I was then instructed to hang up by the voice system. And so I did, I never received any call, letter or email from M+T Bank that my XXXX payment was missing or that it did not process correctly. 
I received an alert in early XXXX from XXXX on a weekend that my M+T account had gone 30 days past due. I was shocked, and I immediately called M+T when business reopened the next Monday. They advised that they had no record of my XXXX payment. They also said they tried to contact me at XXXX which is an old employer phone number. I found that surprising since they had my cell number at XXXX.. 
M+T was completely unhelpful to me as a customer and failed to take responsibility for the failure of their phone system, despite my exemplary record of payment. 
I immediately paid the so called missing payment and the account was brought current no later than XX/XX/XXXX, the first business day after I learned of the problem with the phone system.. 
M+T is responsible for this payment issue, not me. My past record of payments with them and my checking account funds support the notion that there was no reason for me not to make the payment and it was due to their error that it did not complete.

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 2021-10-27 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NC

Complaint narrative:
I received an email today from PayPal informing me that my account has been permanently limited due to a potential risk associated with it. I had my account since 2013, I never had a suspicious/fraudulent activity or a chargeback. All credit cards used are my own. Their system never flagged my account for closure but it was the agent I talked to over the phone this morning. I called PayPal to inquire about my PayPal key which has stopped working for a week, something that frequently happens. The agent told me that it is because I used it at the same merchant for the same transaction 3 times so their system flagged the transaction as " suspicious ''. It looks like returned purchases using PayPal key can sometimes get refunded to PayPal balance instead of the credit card that was used. This's a known issue that PayPal has been aware of but never took action to fix, instead, they've been shutting people down without warning. I never received a warning from PayPal letting me know that this activity will lead to my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
A Gas south charge off for a fraudulent account and an settlement offer with Exeter financial. These companies are intentionally holding my credit growth up and I want it taken off all my credit reports immediately. I feel like this is racially motivated to AA from having good credit I dont need a hand out but a hand up I pay my bills on time even when Im struggling through this pandemic. Please review my reports from all agencies and kindly have them to remove immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Lending Club Corp
State: IL

Complaint narrative:
I have been disputing these Inaccurate unverifiable accounts 1. ) LENDING CLUB CORP ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been disputing these Inaccurate unverifiable accounts 1. ) XXXX XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have ID theft and this account that is on my report does not belong to me. I have sent numerous letters to the collection agency and to XXXX and neither one of them have removed the account. 
I have a fraud affidavit that I have sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation