vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was sent a paypal - mastercard debit card & i didnt ask for it - i admit i was on one of the survey websites trying to make an extra dollar & thru cookies or whatever thats how it got mailed but when i decided to activate the card it was weeks later before i decided to use it & i was " declined '' every store - i have been thru at least 6 ph # s & every girl sounds the same but has a different name the 2 men i talked to sounded the same. The card is active on paypal but not " registered '' on mastercard prepaid. Ive tried everyway to register & i get sent from 1 website back to the other, from 1 ph # back to the other. Ive had calls cut off with good connection, been bounced from 1 site to another & today i ask why the XXXX XXXX was deducted it got worse. Im hard up for $ right now thats why i only put XXXX XXXX on the card- to check them out- & XXXX  if i didnt get XXXX  out of XXXX XXXX before i even got to use the card 1 time. No matter if its paypal or mastercard/XXXX  they say the card is active but its not & this is the gods honest truth

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: RI

Complaint narrative:
I already spoke with this company and they said they would send me something in the mail its been several months and they said the collection would be removed. Yet it still shows on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX 09 XXXX  XXXX  XXXX XXXX  Last reported XX/XX/2020 {$160.00} XXXX  XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX  XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX 09 XXXX  XXXX  XXXX XXXX  Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX  XXXX XXXX  Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME 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 2020-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
NCB, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor XXXX nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. NCB continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor XXXX. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. XXXX and NCB continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I leased 3 XXXX vehicles and turned all 3 in within a 45 day period. They were in pristine shape, however over in mileage. The lease end bills came rolling in and being that I was charged an additional {$4600.00}, and less than 30 days to pay, I immediately contacted the customer service number. I discussed payment arrangements for the 3 vehicles and faithfully paid monthly and in full in less than 6 months. I discussed errors, such as wrong spelling of last name and one lease was tagged as early termination, which is incorrect. No help, just transferred calls and unkept promises. I was alerted my credit monitoring of late payments and they reported payments late when I paid ahead of schedule. I have emailed, called and faxed, filed complaints, called cooperate in regards to the credit reporting and nothing has been done. I have pages of logged conversations, supervisors names and everyone of them have promised to look into the situation and not one of them have followed through. I had 3 leased vehicles with GM Financial and NEVER missed 1 payment in 3 years, not 1. I then proceed to pay them an additional {$4600.00} and they report late payments for excess mileage. This is not right and I am asking that these unfair marks on my credit are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME 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 2020-03-01 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: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I received a vanilla gift card for my birthday on XX/XX/2019. I used the card to make a purchase and then returned the item. The card was refunded however, there was fraud on the card and the account was drawn to a {$0.00} balance. I have filed disputes many times with the Company Vanilla. Its been months and I dont have replacement card and Im out the {$100.00} that was on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi, I had a mortgage with TD bank. Mortgage account # XXXX. I contact TD bank to re-finance my mortgage in XX/XX/2019. I was working with the bank directly, assisted by their loan processor. Before closing, the loan processor advise me not to pay the current payment of the old loan, since the new loan will stat. The numbers were final to cover the old loan balance with all fees. This was paid off and the new loan start with payments to begin in XXXX. In the meantime, TD send me notice of late payment for the old loan which result in mark on my credit report. 

I contacted TD before but didn't get a response. 

Please help me to remove this mark on my credit score. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Saturday XX/XX/2020 I downloaded the citi bank app and I noticed my account was blocked. I immediately called citi bank customer service to figure out why my account was blocked. I spoke with XXXX and a customer service representative by the name of XXXX. I also spoke with a supervisor of XXXX. The supervisor stated there was nothing that he could to unblock my card/release my funds. I then went to the ATM to withdraw my funds and the atm stated " card has been blocked '' I then called and spoke to a representative by the name of XXXX who denied me the opportunity to to speak with a supervisor. XXXX stated that new card was being sent out to me and disconnected the call without a response from me or a ending greeting.I never requested for a new card to be sent out to me nor did I gave permission for my card to be blocked or my funds to be held.on the night of XXXX Saturday XXXX 2020 I spoke with a representative by the name of XXXX who informed me that a new card would be sent to me on XX/XX/2020 which I didn't not request.XXXX  transfer me to the fruad department due to him being unable to find notes on why my card was blocked and why a new card was being sent out to me.the fruad department reviewed along with XXXX stated that ( High risk activity ) the representative for customer service nor the fruad department could tell me why my account was blocked.XXXX  stated that my account has been permantley blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NC

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF ALL THE INACCURACIES IT IS NOW HARD TO ACQUIRE CREDIT FROM COMPANIES. PLEASE LOOK INTO THIS MATTER AND HAVE THESE DEROGATORIES REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NC

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF ALL THE INACCURACIES IT IS NOW HARD TO ACQUIRE CREDIT FROM COMPANIES. PLEASE LOOK INTO THIS MATTER AND HAVE THESE DEROGATORIES REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
XXXX, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor Santander nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. XXXX continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor Santander. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. Santander and XXXX continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,

Company response to consumer: Closed with explanation