vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 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: GA

Complaint narrative:
Your corporation is impeding me on being able to take care of my family by purchasing a home and a car for personal use by violating and invading my consumer right to privacy and furnishing inaccurate items on my consumer report without my consent or validation. I can not provide for my family and exercise my right to use my credit because my consumer report is my reputation with the banks in which I would like to do business. I believe that the law says that if you have had my documents for 30 days and are unable to validate of verify that these items need to be removed. I have provided the dispute multiple times and have a green receipt that bears your stamp further letting me know that you received my dispute. Please do what is right and remove these accounts so that I can move on with my life and continue to provide for my family. I believe that by law these accounts fall under the exclusion section of FCRA because they are consumer credit transactions that happened between myself and the corporation that made the report. In addition, you sent an investigative report dated XX/XX/2021 which I do not believe you conducted any interviews with family, friends or associates of mines that may have any knowledge concerning my consumer credit transactions. However, to my understanding you contacted creditors and to my knowledge I believe that the investigative report should not include this information.

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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because TransUnion is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. 

This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank 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 explanation
Consumer complaint received 2021-06-04 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have multiple inquiries from a company called : West Lake Service , Inc. 
The dates are : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX  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 2021-06-04 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: FL

Complaint narrative:
I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact XXXX, XXXX  and Transunion, I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : Transunion Reports : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 


I did not give my written or verbal permission for any of the above hard inquires. 

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 2021-06-04 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:
I am submitting this complaint because Equifax is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. 

This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft CAP1/NEIMN Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing in regards to a late payment that was recently reported to my report. This late payment is very disappointing because I am in the process of applying for a new apartment and I will not be approved with a late payment. I have reached out to the creditor and they have stated there is nothing that they can do. I am currently trying to obtain a loan to help me catch up with my bills and with a late payment that is not possible. I am moving to a new apartment at the end of XXXX and with a late payment I will not be able to move into a new apartment, Penn fed has no sympathy for loyal customers who have made all of their payments on time. I am having extreme hardship due to COVID and I am under an enormous amount of stress because of it. I do not feel it is right to continue to punish someone for a mistake they make due to a financial hardship.

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 2021-06-04 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: TX

Complaint narrative:
Equifax violated 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) XXXX XXXX and XXXX XXXX XXXX were deleted off my consumer report XX/XX/2021. XXXX XXXX reinserted XX/XX/2021 XXXX XXXX XXXX reinserted XX/XX/2021 Equifax didnt let me know after 5 business in writing of the reinsertion and the reinsertion wasnt authorized by I, the consumer per the law stated above. Those are now fraudulent accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Someone fraudulently opened an account in my name. They also fraudulently opened a loan in my name. Both were fraudulently opened on the MoneyLion site.. probably on or around XX/XX/2021. 

I received a debit card in the mail and called MoneyLion customer service as soon as I received it, so as to report FRAUD. I was told that it would be closed and that I could shred the card. I did. 

However, I recently received information from my *actual* bank that MoneyLion tried to debit 2 things from my actual checking account on XX/XX/2021. As I had already been a victim of fraud, my bank has restricted debits from my account and will only allow debits that I approve. I rejected these. 

The debits appeared as the following on my actual ( XXXX ) account : XX/XX/2021 XXXX XXXX XXXX XXXX {$19.00} XX/XX/2021 XXXX XXXX XXXX  XXXX {$44.00} I have been unable to contact anyone at MoneyLion about this. I guess it was a different phone number on the debit card ( that I have shredded and discarded ) than is shown on MoneyLion 's site, because I can not find my way to a person on their published customer service phone number. 

I submitted a web form on MoneyLion 's site asking to PLEASE CLOSE THE FRAUDULENT LOAN IMMEDIATELY. However, that is all that I have been able to do. 

I am not confident that this fraud will be shut down by MoneyLion, and I do not want my credit to be hurt because of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CarMax, Inc.
State: GA

Complaint narrative:
I have multiple inquiries from a company called : Carmax Auto Finance The dates are : XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX, I sold XXXX XXXX  at XXXX for {$100.00}. At that time, they gave me an envelope containing a debit card and a letter explaining how to get my money. They said I was required to make my second donation within 14 days of the first one. 

A couple days later, I went to the website at https : XXXX? XFunction=LoginPage to transfer the money to my checking account. The website said there was an error and to contact customer service. I did so at XXXX, and they said that the system was down and that I should try again the next day. When I tried again, I got the same error and called customer service again. This time, they said that it wasn't possible to direct deposit my existing balance, even though the documents I received clearly say that I can do that. I then set up direct deposit for future payments, but they said that would take XXXX business days to set up, which will be after my required 2nd plasma donation. 

On XXXX, I sold plasma again for {$100.00}, as was required. 

On XXXX, I went to a bank to withdraw the full balance of {$200.00} from the debit card. The card was declined for unknown reasons. I immediately called customer service, and they said it wasn't possible to withdraw at a bank teller, again contradicting the documents on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX : I spoke to XXXX XXXX Supervisor XXXX & XXXX ( CS REP ) at the credit bureau and they both advised that XXXX XXXX agreed to Delete the adverse collection for XXXX XXXX Acct # XXXX ) off my credit report. On XX/XX/XXXX ( I received an email from XXXX XXXX ) confirmation that the collection was an error. However, their letter did not state that they SOLD the bogus collection to Diversified Adjustments! Now, Im forced to dispute my credit bureaus account again, re-submit a claim to CPFB, and upload the same information showing I have no debt with XXXX. Losing over 100 points off my credit score! The credit bureau supervisor also advised that XXXX can keep selling this bogus debt to multiple collection agencies until XXXX. This is insane, unethical, and outrageous! I was on autopay with XXXX and over the years I had to endure multiple errors on my account. I have had to place cellphones on stolen alert due to staff leaving with my phones, but never had I ever had to deal with this type of combined unethical practices! Once again, Im crying out to the CPFB to make all parties aware of this dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are three accounts on my credit report that do not belong to me they are not mine I have not signed for anything or approved anything I dont knwo what these accounts are for. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
The lease on a XXXX XXXX XXXX ended on XX/XX/XXXX. Due to the Covid19 pandemic the dealers were closed, and i was unable to return the car on time. I did pay for an additional month. I finally reached a person at XXXX XXXX, and returned the car on XX/XX/XXXX. The dealership was still closed at the time. Due to covid 19 my wife and i were not about to go looking for another car. We did not even go to the supermarket. We had food delivered from XXXX. We did not visit friends. For a year we pretty much went nowhere. We both have health issues. A year later i get a notice from XX/XX/XXXX that i owe {$460.00} because i did not lease another car within 60 days of lease end. If i had leased another car i would not owe the money. This seems like extortion or coercion. Since my wife and i were both fully vaccinated, and the virus has eased, we did lease a XXXX XXXX on XX/XX/XXXX. XX/XX/XXXXXX/XX/XXXXstill wants the {$460.00} because it was more than 60 days from the prior lease end. Can you please help. Thanks.

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 2021-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has admitted that they have no documents or proof that they hold notes against my house. 
However, they refused to remove the lien on my house.And I can not sell my house.

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 2021-06-04 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: FL

Complaint narrative:
I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact XXXX, Experian and XXXX I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : XXXX Reports : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 


I did not give my written or verbal permission for any of the above hard inquires. 

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 non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They bought the debt therefore I am no longer liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
On XX/XX/2021 at around XXXX XXXX, I attempted to transfer {$50.00} from my bank account to my account at Binance.us. The transfer showed up on their site as pending for about 20 minutes and finally resulted in a status of Failed. However, the {$50.00} was put on hold at my bank account. I figured this was due to the attempted transaction and the hold would be released after 24 hours. However, the next day the transaction completed and the {$50.00} left my bank account. The {$50.00} never appeared in my Binance.us account and the transaction still shows as failed. 

I submitted a support ticket on their website to ask them to address this issue on XX/XX/XXXX. They have not responded to my support ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A deposit of XXXX XXXX dollars ear XX/XX/XXXX, and a deposit on XX/XX/XXXX of XXXX XXXX dollars. The XXXX XXXX are structured to almost invisible accounting detail or as I the money is owed from previous two weeks. With the XXXX XXXX not showing the XXXX XXXX deposit is immediately less than XXXX XXXX without even a payment from debit card or recurring payment. When using the debit card it is customer savy to pay a tip, yet a tip in double form is not easy to recognize. Therefore the balance in checking account does not reflect true balance of deposits and credit payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation