vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 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:
After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Recieved a {$75.00} gift card as a XXXX present for a dinner. Due to the pandemic I was unable to use the card for its indended purpose for a dinner. Called the number on the card XXXX them due to the pandemic I had been unable to use the card for its intended purpose for a dinner and when I checked it there were charges on it. They told me the {$22.00} charges on it were an inactivity fee and there was nothing they could do about it. 
I thought this kind of taking money from a gift card had been stopped years ago. Very disappointed with TD Bank. I'll be closing my brokerage account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I surrendered a rental property back to the mortgagee in 2012. The property was charged off rather than foreclosures and sent to a collection company. They attempted to collect on the debt and it was later purchased by another company who also attempted to collect. It was later charged off after several years. The property itself was demolished by the city because of it being in poor condition. However, the city is still assessing me property taxes since it is in my name. I tried donating the lot to the city in order to erase the back taxes but there is still a mortgage on the property. The mortgage company wants to pay {$1000.00} in order to release the lien on it so it can be donated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Camelot Financial Services, Inc.
State: NV

Complaint narrative:
Some one else received a loan online from Ace Loan company in my name. I have not received a loan from them ever. Some one stole my Arkansas ID and used that. This collection company wants to garnish my account for something I did not do. The incident number is XXXX. The email that I need to send information to that someone did my name under fraud is XXXX If someone could please contact me back at XXXX or XXXX ( c ) it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
someone tried to open a new deposit account using my personal information with Wells Fargo. I did not authorize this nor did I myself apply. 

Thank you 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 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by Security Credit Services , LLC ( SCS ) of a fraudulent account of which I became unaware. 

On XX/XX/2022, XXXX XXXX, Support Services Manager, of Security Credit Services , LLC ( SCS ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. 

However, in a letter, dated XX/XX/2022, from XXXX XXXX XXXX ( XXXX ), I was informed that SCS placed my account for collections with XXXX XXXX XXXX ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TX

Complaint narrative:
Experian 's online credit-freeze site does not work. I don't want the paid plan. I'm trying to freeze my bureau for free. XXXX and XXXX let consumer freeze their bureaus for free. Experian wants you to pay for the service. There is no customer service phone number or email address. Experian is by far the worst bureau for consumers. The only available method I can find is to mail them my personal information. They won't let you freeze your bureau online unless you use a paid service.

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 2022-03-26 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

Complaint narrative:
paypal closed my account or permanently limited. I can't withdraw it because i don't have any credit or debit card, and I don't have bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
About a month or so ago, I was charged a late fee erroneously after signing up for autopay ( which didnt work ). I saw the fee and called to manually pay the statement balance over the phone. This was done, but the employee also paid the late fee. I then had to work to have it reversed. Fast forward to a couple days ago, and Bank of America debits my account XXXX! There was no balance! That is effectively stealing, and while they took it out right away, it will take XXXX business days to put it back in.

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 monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Venmo account was frozen out of no where for absolutely no reason. I am not able to manage or retrieve my remaining balance and not able to get answers from anyone from Venmo in regards to the issue. I would like my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The XXXX mainConsumer Reporting Agencies ; EXPERIAN, XXXX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.

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 2022-03-26 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: UT

Complaint narrative:
hello. i have tried to fix my credit with equifax serveral times. i even had a my mortgage comany reach out to them and try and fix my credit. yet they still will not fix it. i have gone threw several times and sent them all my information drivers license and social security copy and i have wrote letters and they still will not fix it. i need this fixed so i can do normal things without my XXXX having to co sign for me cause they can pull XXXX of my scores but not my thirs score. it has hindered my life and if this does not work i will need to take legal action and get representation. 
i have been dilligantly working on this for the last XXXX years. I have no improvment thus far. 
I can not attach files as all the files i have sent include extremly sensitive information. if it needed please reach out to me and i will directly send them to you thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The XXXX mainConsumer Reporting Agencies ; XXXX, XXXX, and TransUnion are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The XXXX mainConsumer Reporting Agencies ; XXXX, EQUIFAX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
This is a telephone bill that during pandemic I lost my XXXX in the year of XXXX and I stated to them that I would pay the phone bill but I did not have the full amount. They refused to take payment shut off my phone then tacked on intrest on the bill when I was not working and it was the only phone I had for emergencies. I left a Voice mail stating that I tried to make payments to keep the phone I lost my XXXX  on XX/XX/XXXX and on this date I recieved a letter with intrest of the amount that is owed.

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 2022-03-26 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: NC

Complaint narrative:
I have submitted prior disputes regarding XXXX XXXX XXXX Accounts that are on my credit report. Experian is not allowing me to dispute these accounts despite the requirements of Regulation F not being met by XXXXXXXX XXXX, in violation of Federal law. These accounts should have been closed and removed as they have not been validated.

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 2022-03-26 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: TX

Complaint narrative:
After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/2022 I was informed that Chrysler Capital had put a repossession order on my vehicle that has been transferred into Private Trust per security agreement to XXXX XXXX XXXX XXXX # XXXX. On XX/XX/2022 I contacted Chrysler Capital about the allegations of repo order and spoke with several employees in the platinum member services department with employee ID numbers : # XXXX, # XXXX XXXX XXXX and Executive office member # XXXX XXXX. All employees name of Chrysler Capital was using profane language and making threats of repossession of private property, and saying that I owed debt. I have attempted to send several Notices to Chrysler Capital regarding my administration forensic investigation and analysis after notice of fraud, and billing errors pursuant to ( regulation z ) and ( regulation f ). Proof of service includes five signed and completed USPS ( PS Forms 3811 ) that have been included in attachment, along with Debt Validation Letter ( 15 USC 1692 ( g ) ) that was never responded to, Affidavit of Truth that Chrysler Capital is also in Non-Response of. Chrysler Capital has Received and Signed showing proof of reception of said documents. Since Chrysler Capital is in violation, dishonor, and default to cure of using copyrighted property, and sending threats of repo order a private administrative judgment has been issued. This is to notify XXXX XXXX, XXXX, Chrysler Capital and Santander, LLC that a commercial lien of ( {>= $1,000,000}. ) has filed against them and will not be released until settlement is reached. Affidavit of Obligation has been sent registered mail ( XXXX XXXX XXXX. Declaratory Judgement. " Default '' status. Enforcement has been done non-judicially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
An account was opened in my name in XXXX. It was opened in store by someone pretending to be me that I used to live with. However, at the time, I was not living with them. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since XXXX. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. Whenever I try to call about the account to see about possibly paying it off or finding out how much was taken using my info, they advise me they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. The account number I got from one of the bureaus was 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 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
About a year ago we financed a computer through synchrony bank for a company called XXXX XXXX. We've financed XXXX other computers through the company over the last 6 years without incident. However, beginning in XXXX of this year we have been getting text messages and emails supposedly from this bank that we had unpaid payments and they notify us of this just a week or so after we made the payment. It's getting beyond the point of annoying because they are contacting us XXXX or XXXX times a week. We've tried to call them, returned their emails, and text messages to no avail. I am starting to think this bank has been spoofed in an attempt to obtain money that we do not owe because the bank is a fraud. I have the information from our messages. " This is a message from Synchrony Bank. Return our call at XXXX or our mailing address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Synchrony Bank XXXX This is a recorded call. '' Please help investigate this company for the harassment they have inflicted on us. 
Sincerely, 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 2022-03-26 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX ) # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IN

Complaint narrative:
The cfpb did not help me as the consumer with the previous case only closed my case. I will be filling a complaint for cfpb not helping which is your job. 
This is a contuning problem. Lexis nexis continues to report my personal information that they fraudulently acquired for finical gain. Which is idendty theft. Thsi company infringed upon my privacy by collecting my personal information from XXXX to sell it to other reporting agencies. USC 1681 ( a ) ( 4 ). This company is obtaning information under false pretenses. The information they are digging up and reselling is not what they are supposed to use XXXX  for. Pursuant to 15 USC 1681q Lexis Nexis is giving my personal information away non authorized disclosure to multiple other companies which is a violation. 15 USC 1681r. 620FCRA I am holding this company civil liable for willful noncompliance 15 USC 1681n. 616-FCRA in the event of a knowing violation, which constitutes a pattern or practice of violation of this title, the federal trade commission may commence a civil action to recover a civil penalty in a district court of the United States aganist any person that violates this title. In such action, such person shall be liable for a civil penality of not more than {$2500.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
JUST MADE A PAYMENT XX/XX/2022 WITH CIG FINANCIAL, THEN XXXX MINUTES LATER I GET A EMAIL SAYING THEY TAKING THE CAR FOR XXXX BACK OWED. THEY TOOK MY MONEY THEN SAID THEY TAKING THE CAR. I NEVER SEE A STATEMENT FROM THEM AND I CANT EVEN SEE HOW MUCH I OWE. THEY ARE USING A FRADULENT NAME AND SOCIAL IN MY NAME. XXXX IS NOT MY NAME XXXX XXXX. XXXX COMPANY HAS RISK BASED PRICING, ABUSIVE UNFAIR LENDING, UNFAIR CHARGES, ABUSIVE, PREDATORY LENDING AND DECEPTIVE TERMS. IM GETTING CHARGE UN DISCLOSED INTEREST. 


THREATENING CALLS FROM XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation