vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 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: GA

Complaint narrative:
I am XXXX XXXX, there is no third party involved, Im submitting this info for myself by myself!

I did not consent to, authorize or benefit from the following accounts. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX- I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from XXXX and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello I sent my dispute letter to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I sent my dispute letter to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Comerica
State: TX

Complaint narrative:
Yes on XX/XX/XXXX my card was locked out I can not get into my card I can not do anything it is now going on on the XXXX XXXX XXXX I have been out in the heat I've been in my van I haven't had a bath I haven't done nothing because I'm 350 miles from home while I'm walked on my card and the bank does not want to unlock it because oh they didn't update my information when I called it in in XXXX so they're saying it's my problem they didn't update anything my email my phone number nothing so and oh guess what my ID 's expired because of covid and I've got an appointment to get into get my ID but it's at the end of XXXX so they can't use my ID because oh they said it's because it's expired the other Banks use it but not this one so I don't know what to do I don't know what to say all I know is this bank is stealing people 's money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from experian and 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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. IT HAS BEEN MORE THAN 120 DAYS SINCE MY DISPUTE. PURSUANT TO 15 USC 1681, IT IS NOW MY LEGAL RIGHT TO HAVE THESE ACCOUNTS REMOVED. ALSO, ACCORDING TO 15 USC 1681b ( a ) ( c ) ( 2 ), THAT THEY NEED TO FURNISH IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom It May Concern : Dear Sir/Madam : I am an Attorney at Law residing in XXXX, Texas, located in the XXXX XXXX. 

( 1 ) On XX/XX/2021, I purchased a set of books from Mr. XXXX XXXX aka XXXX on XXXX. I paid {$1000.00} using PayPal Credit provided by Synchrony Bank ; ( 2 ) On XX/XX/XXXX, I received the items via USPS ; ( 3 ) I open the package immediately and found significant damage to the book bindings ; ( 4 ) This material fact was not disclosed on the XXXX site or during any communication with the seller ; ( 5 ) After several back and forth, the seller agreed to take the item back and provided me with a XXXX issued USPS label with tracking number XXXX ; ( 6 ) During this time, I called XXXX and PayPal Credit and informed them about the issue. They both asked me to file a dispute and not to cancel either to be safe. I had several agents from both the companies advise me to keep both disputes open ; ( 7 ) XXXX and PayPal credit both have warranties and buyer protection program, sympathized with my plight and they assured me every time the matter will be resolved within a few days, and I will have my refund {$1000.00} soon ; ( 8 ) On XX/XX/2021, the buyer received all the return items and personally signed for them ; ( 9 ) On XX/XX/2021, PayPal Credit aka Synchrony Bank refused the refund although I had repeated informed them during my prior calls that the buyer has the items in his possession ; ( 10 ) So, I waited on XXXX to resolve the matter and on XX/XX/2021, they are denying my money back claim because I have opened another claim with PayPal credit and that I should contact the, only. ( 11 ) However, XXXX never contacted me and looks like PayPal credit in the previous 90 days negligently failed to confirm with PayPal credit to see that XXXX had already closed their case ; ( 11 ) I contacted XXXX immediately and re-opened my dispute ; ( 12 ) Today, on XX/XX/2021, I received a secure email from Synchrony bank aka PayPal credit with a letter dated XX/XX/2021 ; ( 13 ) They denied the claim because the merchant aka XXXX has provided some information stating that I have entered into a contract to pay them the money ; ( 14 ) I never agreed to any such thing especially when I do not even possess the merchandise. 
( 15 ) I have been tossed around between XXXX and PayPal credit for the last 6 months without any resolution and now made to pay for something I do not even have in my possession and that has been returned to the buyer with proof of receipt. 
I am frustrated, worn out, distraught and suffering from severe anxiety over this matter and have been taking medication to calm my nerves. 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 monetary relief
Consumer complaint received 2021-09-07 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 has limit my account and stopped me from withdrawing money without giving full explanations and alternate solutions to fix whatever problems ( if any ) I have. 

I have already file a complaint here last XXXX but the company Paypal only restored partially my account but still I can not withdraw or make any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello good day. 
My problem is that I have been with my coinbase account for several weeks. 
I have contacted them and have updated the contact information, identity card and data on the use of coinbase and it is still restricted, which prevents me from making operations with my wallet. 
I would like you to help me unblock my account and get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 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: FL

Complaint narrative:
I AM A VICTIM OF 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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO CHECK IF THEY'RE REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: GA

Complaint narrative:
Hello I sent my dispute letter to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute with the inquires. I did call the all 3 bureaus and sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over a month for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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:
UNAUTHORIZED FRAUDULENT INQUIRIES REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: GA

Complaint narrative:
Hello I sent my dispute letter to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute with the inquires. I did call the all 3 bureaus and sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over a month for a response.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO MAKE SURE THAT THEY'RE REPORTING 100 % ACCURATE INFORMATION. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I already reached out to the credit bureaus ( XXXX, XXXX  and XXXX  ) and to BANK OF AMERICA and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment, Date Last Reported and Date Open are inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2021-09-07 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I already reached out to the credit bureaus ( XXXX and XXXX ) and to WF/XXXX  and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, Credit Limit, Date of Last Payment, Date Last Reported, Date Open, and Comments are inaccurate. In addition, A charge-off should show a XXXX balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2021-09-07 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: NY

Complaint narrative:
FRAUDULENT UNAUTHORIZED INQUIRIES ON MY CREDT 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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MO

Complaint narrative:
lexis nexus is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). 
it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 41 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been over 41 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causes me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). 
it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ).

it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.

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 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
COMPLAINTS AGAINST DISCOVER CREDIT CARD I CAN NOT REFILL OUT THE FORM IM SURE DISCOVER IS QUITE FAMILIAR WITH THE PROCESS. 

ONCE YOU FILL IT OUT ... YOU CAN NOT GET BACK TO IT ... 
UNLESS THIS IS THE VERY FIRST TIME THEY ARE REQUESTING CUSTOMERS TO FILL OUT THE FORM SPECIFIED. 

UPON RECEIVING THE EMAIL I WAS INSTRUCTED TO SIGN MY NAME. 

THAT WAS IT. 
I SIGNED MY NAME IN THE SPOTS ... AND SUBMITTED IT.. WHICH I HAVE ALSO UPLOADED AS PROOF. 

YET DISCOVER STATING INCOMPLETE INACCURATE WHATEVER OTHER REASONS IF I NEED TO FILL SOMETHING OUT THAT I WAS NOT INSTRUCTED TO UPLOAD THE DOCUMENT HERE SO I HAVE PROOF OF DOCUMENTATION. 

FOR MY SAFETY AND RECORDS. 

IT SEEMS LIKE YOUR STATEMENTS ARE NOT COMPLETELY ACCURATE OR FAIR MAKING IT SEEM AS IF I HAVE TOTALLY DISREGARD ANY OF YOUR DEMANDS .... 

COMPLAINTS XXXX-XXXX  XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I was approved for a mortgage on XX/XX/XXXX and it was a XX/XX/XXXX loan with an adjustable rate. I was approved for a mortgage for a home that based on my very low salary I should have never been approved for. My rate adjusted and I could no longer pay the mortgage and now 15 years later they are trying to put a lien on the property. The loan was for 20 % this is a predatory lender that seeked out low income customers.

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