vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On Wednesday XXXX XXXX my stimulus check for {$3000.00} was deposited to my cash app. They rejected the deposit. I recieved my first stimulus to this same account with no problems. I've tried to contact cash app multiple times over the last two days, they have flat out said they dont know why it was rejected. I desperately need that money and cant find anyone to help me or tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have incorrect information listed on my credit report with this company. I have submitted multiple dispute and nothing has been resolved nor have they provided me with satisfactory documents to support these documents. The following accounts discover financial, access receivable. I keep getting responses about credit repair I can not afford credit repair or anything like to assist with this nor can I afford any lawyer to take this to court. I honestly dont know what else to do other than to keep filing complaints.

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the evening of XX/XX/2020, I sat down at my computer to find my computer being hacked. The hacker had placed order using the XXXX XXXX, XXXX and XXXX websites.. I was refunded for all these transactions by either my bank, credit card company, XXXX or PayPal. 

However, three separate money transfers from my PayPal account, dated XX/XX/2020, were made through PayPal and XXXX, to an XXXX XXXX for a total of {$650.00}. I do not know XXXX XXXX. I do not have a XXXX account nor have I ever had a XXXX account. I reported these fraudulent transactions to the PayPal Resolution Center. My claim was denied and then referred to PayPals Escalation Team, but I was told that the transfers were not unauthorized, which, of course, is not true. 
I started receiving threating emails from the hacker and filed a Police Report with the XXXX XXXX XXXX, California Police Department ( Case Number XXXX by Officer XXXX, Badge Number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

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 2021-01-02 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: GA

Complaint narrative:
It is very simple I had a secured credit card with XXXX ( at that time XXXX ) that was opened in XX/XX/XXXX and it was closed in XX/XX/XXXX after I was unable to make the payments and had discovered a family member had been using it incorrectly, which I did not know for about three months. It was charged off sometime late XXXX or early XXXX, not sure of that exact date. 

Fast forward to XX/XX/XXXX, my Transunion ( only TU ) began reporting the account status as open out of nowhere, I have no clue why or what happened of course I then began a course of disputes with TU and arguing with them because I assumed maybe it was a glitch with there system, then after getting no where with them and every time XXXX confirming the accuracy of the reporting, I began hunting down who to contact at XXXX since I no longer had the full account number any longer or where to begin, finally I was able to get through on some 800 phone number and the rude agent reluctantly gave me my full account number and this email as the ONLY way to contact the dept that handles these matters, XXXX! I began communicating on XX/XX/XXXX and was assured it would be sent over to the dept that handles the credit reporting and fixed, I have contacted them multiple times and still no action/response, and of course you will see with the documents I attached they were careful to encrypt their responses so I am unable to supply copies of that! 

This account is reporting 4062 % credit usage on my XXXX, I am trying desperately to correct my irresponsibility and to carefully watch my credit on a go forward as to correct bad ways and improve my status '! 

CAN SOMEONE PLEASE HELP!

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 2021-01-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have incorrect information listed on my credit report with this company. I have submitted multiple disputes and nothing has been resolved nor have they provided me with satisfactory documents to support these documents. I keep getting responses about credit repair I can not afford credit repair or anything like that to assist with this nor can I afford any lawyer to take this to court. I wish to file and address my complaint here going thru your site has not giving me any resolution so please do not ask that I file thru your site I have done all of that and made phone calls. I honestly dont know what else to do other than to keep filing complaints.

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 2021-01-02 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: IL

Complaint narrative:
I am unable to login to the Equifax website so that I can dispute several inaccurate pieces of information on my report. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and the incorrect information remains on my credit report and I am not able to access the online Equifax portal. 

I called Equifax XXXX XXXX XXXX on XX/XX/2020 around XXXX XXXX and spoke with " XXXX '', call lasted about 20 minutes. I called again shortly after around XXXX PST after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about 40 minutes. 

I am still unable to login to my Credit report Account with the error message " Please call customer service ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote and called experian several times because my credit report will not update since XX/XX/XXXX. It is now XX/XX/XXXX and I have waited for them to correct the issue I called them and they told me they put in a ticket because it is a technical issue however this is still and issue and I can not see my credit report. Also this occured when they finally deleted some erroneous accounts. Specifically the XXXX  XXXX and XXXX XXXX chargeoff. I simply want these accounts removed as they sent me an email and told me they were deleted from my report on XX/XX/XXXX. Then days later they say this same item that was deleted was updated. This is against the law to reinsert an account after it was deleted. They have literally blocked my scores since these two items were deleted and illegally reinserted one of the items.

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 2021-01-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, XXXX XXXX XXXX has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to Experian. They are supposed to send me a signed contract with my SIGNATURE! They're in violation! Experian is in violation as well. Also XXXX XXXX XXXX is reporting different amounts on these accounts to Experian and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, XXXX XXXX XXXX DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to Experian. Experian is supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!

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 2021-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
My husband and I applied to refinance our home through AmeriSave Mortgage Corporation with a VA loan in early XX/XX/XXXX. Initially, we had difficulty getting any responses at all after we had received the mortgage options. We have been consistently asked for the same documents repeatedly. We have endured one excuse after another for delays, none of which were valid reasons. We are now in XX/XX/XXXX and still no final approval or closing date scheduled. After being told XXXX, they needed one more item ( which had previously been provided several times ) and a tentative closing date was being requested for XX/XX/XXXX-XXXX. We have now received a notification that XXXX W2s are now required to move forward. These documents have not even been created yet, as there has not even been 1 business day in XXXX. AmeriSave has XXXX W2s and pay stubs for each pay period since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, UNITED COLLECTION BUREAU has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to XX/XX/XXXX They are supposed to send me a signed contract with my SIGNATURE! They're in violation! XX/XX/XXXX is in violation as well. Also United Collection Bureau is reporting different amounts on these accounts to XX/XX/XXXX and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, United Collection Bureau DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to XX/XX/XXXX XX/XX/XXXXis supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I having an issue obtaining my credit file and report from Trans Union. For over 1 year, I have sent numerous letters of request to Trans Union, requesting for Trans Union to mail and send me a copy of my Free Annual Credit Report, which I am entitled to receive annually under the 1970 Fair Credit Reporting Act ( FCRA ), as of to date, I still have not received a copy of my Free Annual Credit Report which is a violation of the Fair Credit Reporting Act under federal law. Trans Union has sent me numerous letters informing me they do not maintain a credit profile on me which is inhibiting and prohibiting me from receiving my Free Annual Credit Report, apply for and obtaining credit.

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 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I don't wright good .for this info but I have all the paper work.

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 2021-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America closed and or removed access to my Nevada unemployment card. 
In XXXX of 2020 I alerted Bank Of America about an unauthorized ATM withdraw. 

I was then sent a new card to activate. 
Bank of America then denied my claim for an unauthorized withdraw within 24 hours. After receiving this information I then sent an appeal. 

On or around XX/XX/2020 Bank of America closed my account and or restricted ALL access to the account online and through ATM withdraws and card uses. 

Due to Bank of America I am unable to pay bills or buy groceries for my family. 

Bank of America stated it was " Nevada unemployment '' that had closed my account. 

After so much back and forth between the two agencies I am left without the funds necessary to provide for myself or my family. Due to Bank of America 's negligence of closing any and all accounts that had reported fraud. Leaving myself and thousands of others without our benefit 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 monetary relief
Consumer complaint received 2021-01-02 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:
not mine/no knowledge of negative charge off accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following 4 credit inquiries listed on my Chex Systems Consumer Report : XXXX are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX, XX/XX/2020, I am a victim of identity theft and Chex Systems  has a recent police report on 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 2021-01-02 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: I.C. System, Inc.
State: FL

Complaint narrative:
not mine/no knowledge of negative charge off accounts on my credit 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 2021-01-02 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: MN

Complaint narrative:
The following information listed on my Experian credit report is inaccurate, fraudulent and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The XXXX XXXX XXXX  account was fraudulent and not my account and the XXXX XXXX XXXX  credit inquiry is fraudulent and not my credit inquiry.

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 2021-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX XXXX I obtain a copy of my credit report as i was going over my report i seen account in the name of credit acceptance opened on XX/XX/XXXX this isnt mines i never obtain any credit from this company ive called this company to inform them and also ive filled a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The public record information Bankruptcy Chapter XXXX Discharged, XX/XX/2020 listed on my Experian credit report is inaccurate information. The United States District Court-District of Minnesota  Bankruptcy Court informed me that they do not report bankruptcy cases to Experian, XXXX, XXXX XXXX or any credit reporting agencies, and they did not report the bankruptcy chapter XXXX discharged, XX/XX/2020 public record thats currently listed on my Experian credit 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