vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have filed a complaint on ALLY AUTO twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished

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 2021-03-19 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: IL

Complaint narrative:
I recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to XXXX and TransUnion on XXXX XXXX, 2021 to prove that XXXX XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX, 2021. Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both XXXX and Transunion in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to be REMOVED.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have spent over a week trying to get my account to work for Experian XXXX XXXX. I went through personal questions only I should know and failed them 4 times before getting kicked out. I tried to call Experian to help me resolve it, and all they did was take me through the exact same questions I failed 4 times before and got THEMSELVES locked out. So they said in order to help me fix it they would have to put in a ticket for me to speak with a supervisor and I would be contacted in 48 hours. 48 hours passed, and I never got a call from a supervisor. I called them back and they re routed my phone number to somebody who said they could not help me gain access to my account and even said they sent me to the wrong people. I then got ignored for 20 minutes and after asking if anyone was still on the phone and getting no response I hung up and tried to call back the original number. They then said that they didn't even see a ticket published for me to speak to a supervisor so either the first representative lied to me or somehow deleted my ticket. They then told me they would put in ANOTHER ticket for me to speak to somebody but i would have to wait another 48 hours. I very grudgingly accepted the fact that I'd have to wait yet again to see if my identity had been stolen which seems totally ludicrous to me. However, it's been ANOTHER 48 hours and STILL no supervisor has contacted me. I am extremely angry with this company. It's taken over a week of my time and hours of calls to get absolutely nothing out of it. This is not some joke or some small problem I'm trying to get solved, i believe my identity and all of my personal information is at a very serious risk and I'm being tossed around phone lines and unhelpful representatives like my information means nothing to them. Since then my phone number has come back as compromised as well. I need to gain access to my account and I have gotten absolutely zero help from the company who's supposed to help me deal with these specific things.

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 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS is claiming that I owe them {$910.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2021 I received a PPP loan through XXXX XXXX in the amount of {$20000.00}. I had the deposit sent to my new Chime account. I heard that Chime was accepting the ppp loan so I wanted to try the bank out. However my current bank is not accepting the PPP loan. I had been paying myself weekly, and sometime 's bi weekly to my cash app account so that when I submit the documentation to the SBA for PPP forgiveness it will show that I have paid myself for payroll. As of XX/XX/2021 I received an email from Chime requesting a photo id, a utility bill with my address on file that I used to apply for the account, an explanation as to what the funds have been spent on and they requested receipts where I've spent the funds and requested the promissory note from XXXX XXXX. I submitted all of the following. XX/XX/2021 I was advised by XXXX that I needed to submit over my tax return or a tax form. I explained that a sole proprietor is not required to have an EIN majority of us use our SS numbers. Secondly, to qualify for the PPP loan as a sole proprietor you were to submit an 1040 C form. I have done that and fully approved and have been funded through Itria already.These people are with holding approximately 8k! They lock you out of your account completely so you have no way of seeing ANYTHING! I have explained that in order to have the loan forgiven I had to send deposits out weekly to my cash app. I've also expressed to them if the funds aren't used before next week I will not be eligible to apply for the second round of PPP. What these people are doing is stealing! They are freezing consumer 's accounts left and right to make interest off of hard earned tax payers dimes.Online I've done some research a little to late. It seems as if they do this to anyone that has a few thousands in their accounts or more. I have seen the horror stories where some people gave up and just let them keep their funds. I am not that person! I work hard for my money, and I will not allow anyone to steal from me nor my family! This company should be shut down at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NJ

Complaint narrative:
On XX/XX/2021 I wrote a dispute letter to Equifax regarding 4 accounts that is reporting on my credit profile that are inaccurate. 
1. XXXX XXXXXXXX XXXX which is reporting a debt of {$0.00}. 
2. XXXX which is reporting a debt in the amount of {$0.00}. 
3. XXXX XXXX XXXX XXXXXXXX XXXX which is reporting a debt of {$2500.00} 4.XXXX In the amount of {$0.00} I also wrote another letter on XX/XX/XXXX regarding the same problem still no response.Equifax has failed to provide me with verifiable proof that I ask for in my dispute letters. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank credit card management controls dont exist in the banking application. Your credit card management is only available online at another location and its not made clear anywhere how payments and auto pay are managed. When using Citizens banking application your credit account settings are completely opaque and the only way to make payments is by transfer of funds between accounts. When you use this method no previous payment arrangements are visible and the application will initiate contradictory instructions without a warning, thereby generating fees that should have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NJ

Complaint narrative:
I have filed a complaint on XXXX XXXX twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished

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 2021-03-19 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: NJ

Complaint narrative:
I have filed a complaint on XXXX XXXX twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished

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 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: FL

Complaint narrative:
This is the second complaint I am filing against Plusfour , Inc for illegal collection activity. Plusfour is not a licensed consumer collection agency in the State of Florida where I reside. I filed the original complaint against Plusfour on XX/XX/XXXX. Plusfour responded on XX/XX/XXXX and acknowledged that they are not a licensed collection agency in the State of Florida. Plusfour has continued their illegal collection activity by reporting the collection account to XXXX, XXXX, and XXXX. They have reported the account three times to XXXX in XXXX, XXXX ( See attached ). I have recently been informed by my attorney that Plusfour was sanctioned on XX/XX/XXXX by the Florida Attorney General and the Florida Office of Financial Regulation for operating as an illegal consumer collection agency from XXXX through XXXX ( See attached ). As a result of their illegal activity, Plusfour restricted from conducting any consumer collection activities in the State of Florida until XX/XX/XXXX. Section 4 ( c ) of the State of Florida Settlement Agreement specifically states - Respondent shall not engage in any activity pursuant to Chapter 559, part IV, Florida Statutes, which requires a registration from the Office unless properly registered. Further, Respondent shall not act as a control person, as that term is defined in section 559.55 ( 4 ), Florida Statutes, of any consumer collection agency registered by the Office nor shall Respondent apply for any registration pursuant to Chapter 559, Florida Statutes, for a period of five ( 5 ) years from the docketed date of the Final Order adopting and incorporating this Settlement Stipulation. At this point, I am willing to cooperate fully with all State and Federal investigations into Plusfour regarding their illegal collection activities. If this account is not deleted immediately from all of my credit bureau files, I will instruct my attorney to file a lawsuit against Plusfour for their illegal collection activities, and will be seeking damages and attorneys fees.

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I asked them several times about applying after they asked me to refinance. I asked will this hurt my credit score if i apply the representative several times would not answer and kept pushing to sell me. 

I asked a legal question. They legally did not provide what was asked for. They recorded the conversation. 

I wish to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened a checking account with NFCU and had my SSI deposited into my new account. First of all a credit card or two were opened under my name fraudulent. My caregiver at the time who was handling my affairs. After finding that checks and charges were made to DDA and Credit Cards fraudulent. I advised Navy of the Fraudulent DDA and Credit Cards opened and abused under my name and they suspended my accounts and also charged me back for unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
In XXXX Collection Bureau of America ( CBA ) filed a delinquent XXXX XXXX XXXX XXXX against all credit bureaus on my credit. In the amount of {$600.00} that was owed to XXXX XXXX XXXX XXXX XXXX. Claiming that they were the owners of this collection as of XXXX. One of my question to them, were if you had this account for six years why haven't you I had any communication or correspondence from your company. The person could not answer the question, nor did he have a answer for my current address or phone number. However he stated they had been sending correspondence to XXXX XXXX XXXX a address I have never resided. I reached out to CBA informing them of that I have never lived at this property and-my identity had been stolen. I also requested a copy of this alleged bill. To date I have not received the alleged delinquent bill. It's very clear they have ignored The Fair Credit Reporting Act ( FCRA ) a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. If they do not removed the delinquent account from my credit reports I will take them to XXXX court. ( I was unaware of their attempts to reach, I contacted them once I saw the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: LA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I have been waiting for 180 days, which have now passed and l still can't transfer my money out and I was charged a large fee too of XXXX l am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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:
UNKNOWN INQUIRES XXXX XXXX XX/XX/2020 UNKNOWN THEY TOLD ME THE LOAN IS A TITLE LOAN. I DON'T HAVE A CAR SO WE AGREED IT WOULDN'T BE SUBMITTED. 


XXXX XX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN FACTUAL DATA XX/XX/2020 & XX/XX/2020 APPLIED ON XX/XX/XXXX ONLY FOURSIGHT XX/XX/XXXX UNKNOWN ***ON THE FOLLOWING SEVEN ( 7 ) I WAS ASSURED IT WAS NOT GOING TO BE A BROKERAGE WHERE THEY THREW OUT THE BAIT TO ALL FINANCE COMPANIES BUT THAT'S WHAT HAPPENED ANYWAY*** XXXX XXXX XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX FINANCE XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND SECURITY SERVICE XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN XXXX XXXXXX/XX/2020 SHOULD ONLY BE ONE NOT TWO INQUIRIES. I GOT A MEDICAL CREDIT CARD FOR 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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, scammed me by offering a FREE TRIAL. Then putting me on autobill for {$29.00} every month and {$24.00}. Once you log in the account they deceptively show you a page that forces you to make one click to continue and a wrong clicks gets you billed over {$100.00} of dollars. 


Once you login from : XXXX XXXX XXXX XXXX The next auto page is : XXXX XXXX XXXX Where a trick pink button takes your money away. I called them to get my money back and they claim a HIDDEN. " Terms and Condition '' link far at bottom Experian billed me all below and NEEDS TO REFUND EVERYTHING, currently only 2 of 6 transaction are refunded. They are refusing to refund the rest XX/XX/2020 Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XXXX XXXX XXXX Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$29.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$29.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$1.00}

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 2021-03-19 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: KY

Complaint narrative:
I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Transunion directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of 2020 and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from 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 2021-03-19 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: CA

Complaint narrative:
I opened a dispute with transunion about wrong info on my report, I send proof of this, and the Investigation results keeps showing wrong late payments, wrong name etc

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