vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
( Equifax ) Unauthorized Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX ] XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 5.XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX 7. XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit 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 2021-08-10 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: FL

Complaint narrative:
I just check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Today I am writing regards to my account with SYNCB/Amazon account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.

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 2021-08-10 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:
I've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX Texas. I received a letter from the United States Bankruptcy Court XXXX XXXX of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with XXXX and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX XXXX of Texas, I was told that XXXX XXXX a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with XXXX they are in violation of Federal Law and United States Bankruptcy Court  XXXX XXXX of Texas states they didn't provide nor report this information to 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 2021-08-10 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: LEXISNEXIS
State: TX

Complaint narrative:
I've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX Texas. I received a letter from the United States Bankruptcy Court XXXX XXXX of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with XXXX and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX XXXX of Texas, I was told that Lexis Nexis a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with LexisNexis they are in violation of Federal Law and United States Bankruptcy XXXX XXXX XXXX of Texas states they didn't provide nor report this information to LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
OK I tried using my credit card to purchase gas for my XXXX XXXXXXXX XXXX XXXX engine. It was unsuccessful I went into the XXXX and in cash gave them XXXX or {$40.00} so that I could put gas into my car after my credit card had been rejected. I then left and everything was OK until the next day when I saw that two charges for {$500.00} each had been charged to my card. I am mediately called my bank informed them of what had taken place they said that it was a case of fraud replaced the XXXX dollars into my account as they should Im here, and I thought all was said and done. A few weeks later they removed the XXXX dollars that they had put back in saying they denied my claim. Somehow there is a significant difference between dispute and fraud, When it comes to Bank of America. This has been bounced back-and-forth between dispute and fraud each time I spoke with someone they admitted that it had to be fraud and they were going to correct it. They have denied my claim for five maybe six times and I have had it re-opened each time. A police report was requested which I then got and informed my bank of who the officer was where the precinct was phone number badge number. The officers that took the report said this had to be fraud I then informed my bank of the police report figuring that this would settle it. They denied me again so there wasnt enough evidence. I do not know what I can do further as I have reached out to my bank and they suggested finally that I get in touch with your agency acknowledging how badly they have messed up.All I want is my XXXX dollars back and no longer be made to feel like my bank thinks Im a liar and a thief.

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 2021-08-10 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 just check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from 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 2021-08-10 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have a late payment showing on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. 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 2021-08-10 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:
I have sent countless letters to Experian and XXXX about deleting two accounts from my Consumer report. I served both XXXXXXXX XXXX and XXXX XXXX a Cease and Desist Notices asking the companies to stop furnishing my information to the Consumer Reporting Agencies. I need each account DELETED from my Consumer report ASAP.

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 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NY

Complaint narrative:
Errors and inaccurate information on my credit report I sent in letters to correct and remove inaccurate information but they still reporting inaccurate 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 2021-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX located in XXXX, SC in XXXX ( account number XXXX ). I paid {$10000.00} down with a remaining balance of {$8600.00} to be financed. I currently have a balance of {$4300.00} of which I pay {$210.00} per month. I've asked the company to please check my payments because I have paid for the car almost 6 years. I've received a printout that shows over 90 % of the payment is against the interest and nothing against the principal month after month. I also show missed payments that weren't applied to my loan. I'm writing requesting all the help I can possibly get to assist me with clearing this loan. This company has me paying 7 or 8 years for an XXXX balance. This is not the way it was explained to me at the time of purchase. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CNG FINANCIAL CORPORATION
State: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from 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 non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is regarding the Amazon Store Card ( credit card that gives rewards for purchases on amazon ), which is managed by Synchrony. Often when trying to log in to their website to make a payment I am unable to access the account, and it is left at a blank screen. Additionally, several times the website has been officially down ( the landing page indicates they are doing maintenance and it is unavailable ) for several days. In my view this is unacceptable and borderline illegal for a credit card company because it makes it challenging to make payments for the credit card. I have yet to miss a payment, but it is only a matter of time at this point, and I have no doubt that there are customers who have been forced to make a payment late due to this unreliable website. Attached is an image of the website after logging in - notice that the website is not loading, it is finished loading and the page is blank.

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 2021-08-10 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: TX

Complaint narrative:
XXXX  XXXX  transunion will not give 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 2021-08-10 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: TX

Complaint narrative:
experian XXXX  XXXX  will not give 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 2021-08-10 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have a late payment on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone but couldn't get thru. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. 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 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I wanted a POD ( proof of death ) form and I contacted PNC 's retail support customer assistance department. I was told that I should go to a local ; branch. There isn't a local branch convenient so they told me to contact Ms. XXXX XXXX at XXXX and she needed info for the form. The info of the beneficiary needed was : Name, D.O.B., SS #, nationality, address & relationship. I've called her three times, get an answering machine which lists her hours and can not get a call back. Today I contacted PNC again and was again given Ms. XXXX 's hours ( XXXX XXXX XXXX  ) and to contact her. I've been a borrowing and checking account customer for over 20 years and can't get the common courtesy of a return phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: WA

Complaint narrative:
I opened my store under XXXX and had PayPal as a form of payment on Friday. After completing 5 sales, they decided to permanently restrict my account without any notice or how it violates their user agreement. 

I called customer service twice. The first person I spoke to said he could help lift the restriction if I sent my photo ID to the company which I did. Afterward, I received a message from PayPal saying the permanent restriction is final. 

I decided to give another call to customer support and when I explained to her I had 5 sales for selling stickers and keychains, she told me nothing can be done about the restriction and I can no longer use their platform. I can't even make a new account or transfers the remaining funds to my bank account at all.

Company response to consumer: Closed with explanation