vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 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: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).

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 2021-07-18 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
State: GA

Complaint narrative:
Venmo Complaint : I recently received a grant via Direct deposit through the SBA. I used Venmo to receive this grant. Everything deposited and once I made a transaction they froze my account and now Im praying they return my money somehow. I have waited and waited, and when they finally do reply it says sorry we can not return the funds. Why? This was a grant given through the SBA, Im confused, if I violated a user agreement I should still be entitled to receive my money that was obtained legitimately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Someone has used my information to apply for a card that I have no clue of who it is. I have reported this as identity theft. I have attached the document for your review. Please delete this information from my 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 non-monetary relief
Consumer complaint received 2021-07-18 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:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : TRANSUNION - XXXX XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXXXX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).

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 2021-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The Company claimed that there was damages that was already there, on the day of move-in. 
The company made the debt the same amount as the deposit which I never received back

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 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
Vanilla one prepaid card XXXX XX/XX/XXXX XXXX Funds were used on XXXX website not by me the purchaser I want to receive my funds back immediately. 
When i purchased this i was covered by fdic insurance. 
I would like a replacement visa egift for the amount of XXXX dollars please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back in XX/XX/2021 I called Experian Credit Bureau and finally got through to talk to someone ... extremely time consuming and difficult! After reaching someone I explained to them the problem I have with experian boost and how it's not working properly and ways to solve the problem. The problem is boost allows you to get a credit score boost by paying utility bills on time. Since it's not working properly and I've done everything on my end to resolve the situation if I cancel the boost then my credit score will be affected negatively. And I'd like the option of sending in proof of on time payments but have no way of communicating that to Experian. The fair and just thing to do is let me cancel with out affecting my credit score or let me send in proof of on time payments! I have yet to heard back from them about this. My score with Experian is 50 points less than the other Credit Bureaus! This is unfair and unjust!!!!!!!

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 2021-07-18 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-07-18 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XX/XX/2020 - XXXX XXXX XX/XX/2020 - Wellsfargodealersvcs XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).

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 2021-07-18 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX - Americredit XX/XX/2020 - Americredit XXXX XX/XX/2020 - XXXX XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a problem with XXXX  and Transunion not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX  but both XXXXx and Transunion DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house.

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both XXXX and Transunion maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by XXXX  and Transunion, and most banks and mortgage companie

s use the " HIDDEN '' numbers from XXXX specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. By keeping the mortgage scores hidden, XXXX and Transunion DO
NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

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 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My public records were approved to be blocked by XXXX XXXX. I have forwarded the confirmation to Experian and XXXX to process and remove the accounts, but they are stating they investigated and came back as accurate, but this is not true, they never reached out to XXXX XXXX to confirm,. I have mailed the confirmation to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by uploading the info to 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 2021-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I submitted a complaint regarding the information that XXXX XXXX and XXXX  are reporting in regard to an account with Bank of America that has been " satisfied and is now closed '' as of XX/XX/2021. I have even provided the letter that Bank Of America sent me stating such. Additionally, Bank of America also supplied the XXXX XXXX XXXX XXXX XXXX ) with AC Form XXXX ( an official government document ) stating that their lien against the asset has been released as of XX/XX/2021. That document has also been provided to all of the credit reporting bureaus outlined above. Despite the submission of sufficient institutional and federally mandated documentation, Bank of America, XXXXXXXX XXXX  and XXXX  refuse to correct their error and have reported my dispute ( s ) as being " closed '' - blocking any further requests for action. I fail understand why, despite overwhelming evidence to the contrary, these institutions will not make the necessary corrections. As a matter of fact, when I last called Bank of America, they acknowledged that they actually owe me {$200.00} from the settled account yet have not supplied me with that refund.

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 2021-07-18 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 have contacted Transunion special handling department explaining that someone has taken control of my identity. I have recently reviewed my credit report and someone has been attempting to get accounts in my name without me knowing. I have attached the identity theft including the things that are FRAUD.

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 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I found a charge on my XX/XX/2020 statement for an unauthorized charge of {$270.00} posted XX/XX/2020 from XXXX. I did not make this purchase and promptly reported it to Barclays for my Carnival Master Card. I had them issue a new credit card. In mid XXXX they sent me a letter stating it was valid charge. I called to find out how they came to this determination. I was informed that XXXX said it was valid. I then called XXXX about the charge. They could not find any purchase on my account for that amount. I was then asked to link the Carnival Mastercard to my account in order to open a case with their fraud department. Several days later I received an email from XXXX indicating fraud and to report it the card issuer. I sent a written letter to Barclays asking to reopen the case and look into my findings. They received this letter on XX/XX/2020. I have never received any communication back from my letter.

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 2021-07-18 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: TX

Complaint narrative:
My public records were approved to be blocked by XXXX XXXX. I have forwarded the confirmation to XXXX and Traunsion to process and remove the accounts, but they are stating they investigated and came back as accurate, but this is not true, they never reached out to XXXX XXXX to confirm,. I have mailed the confirmation to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by uploading the info to XXXX  and Trausnion.

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 2021-07-18 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:
On or around XX/XX/XXXX i contacted transunion regarding information that only their bureau has not resolved, you see a XXXX XXXX credit card opened XX/XX/XXXX and initially went delinquent XXXX XXXX ( 7 years ) ago should be deleted from my credit file as XXXX  and XXXX  have done, however they were only reporting XXXX data, all XXXX, XXXX, and XXXX shows no reporting or no data, I sent them a copy of their credit report which i saved showing the delinquency during that time and they came back and said the creditor can not locate that, therefore according to Fair Credit reporting act they should have deleted, but they didn't, on or around XX/XX/XXXX i attempted again and now they are reporting partial dated of payments in XXXX but again not removing the old account when I clearly have provided them their report, I have no recourse but to report them to the FCRA victim that i have become,

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 2021-07-18 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: CA

Complaint narrative:
To whom it may concern on XXXX XXXX I have asked XXXX XXXX XXXX  to provide me with the information needed to prove that I owe them. I sent the letter to them with certified receipt. I did not receive a response from their company only more incorrect reporting from XXXX XXXX XXXX. I also sent a letter to Equifax, XXXX  and XXXX asking them to validate this account and to cease all reporting until this is verified. XXXX  provided me with notification that this account was removed due to it not being accurate and unverified, while both Equifax and XXXX  continue to allow this account to linger with unverified and incorrect information that don't even match. It is my right that my information be true and accurate across the board by these credit bureaus and not be ignored.. Both Equifax and XXXX  have violated my consumer rights by allowing this erroneous reporting. 
As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. This was not provided to me neither by Equifax or XXXX nor XXXX XXXX XXXX. Please see attached certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to the three bureaus regarding my personal information. Its been a 4 months since I've sent out these letters and have yet to receive any changes. Or a response from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 at approximately XXXX XXXX I contacted PDM Collections in XXXX, FL to address a debt that appeared on my credit pertaining to an alleged water bill that was issued for payment 2 months after my move out date on XX/XX/2021. I was never informed and I was never called on the phone by the XXXX XXXX in XXXX. The agent at PDM stated that he would not remove the charge off per the clients instructions purportedly even if I paid. He also began to offer legal advice when I inquired if I needed an injunction to compell the apartments to instruct them to allow removal of the negative information after payment. He also mentioned that landlord/tenant law in Arizona does not allow me to sue the landlord and went as far as to mention the time periods in which my claims would expire. He attempted to intimidate me with his legal information and that is a clear violation of the FDCPA. I pay all my debts and have worked hard to protect my credit rating and these activities have inflicted grievous financial harm to me personally. I pray that you assist me to afford me any available remedies and impose any pertinent penalties against this company as they have numerous complaints against them for these practices and violations.

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