vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 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: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois 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 2021-12-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon checking on my Experian credit report, XXXX XXXX XXXX is reporting me as having a late payment for XX/XX/2021, which as per the supporting documentation included with this complaint, I was not late and XXXX XXXX XXXX agreed to remove the error from all credit reporting agencies. Also, they are showing that I owe a balance, which I do not. And finally that the account is currently open, which again, it is not open. I called XXXX XXXXXXXX XXXX  customer service and they confirmed that the account is closed, I have a {$0.00} balance, and that the XX/XX/2021 payment was not late. However, the Agent could not assist me with correcting the error with the reporting 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 non-monetary relief
Consumer complaint received 2021-12-19 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: IL

Complaint narrative:
Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: IL

Complaint narrative:
Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX  and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.

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 2021-12-19 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: NC

Complaint narrative:
On XX/XX/2020 XXXX reported to my personal credit report that I owe them {$4500.00} for multiple devices. However, I did not agree to, nor did I receive any goods from XXXX. I contacted them to dispute the claim and they asked me to contact the store and collect security camera footage of who used my information to secure the devices. However, the store does not have that recording. I have disputed this via certified letter to XXXX when I was first notified, and I did not receive a response. I submitted proof that XXXX and its collection agency did not respond to my dispute to all three reporting agencies, XXXX, TransUnion, and XXXX and they all refused to remove the incorrect information from my reports. 
I disputed this information in the legal timeframe allowed by the FCRA, the creditor did not respond with proof that the account belongs to me within 30 days from receipt of my certified letter disputing the 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 non-monetary relief
Consumer complaint received 2021-12-19 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: NC

Complaint narrative:
On XX/XX/2020 XXXX reported to my personal credit report that I owe them {$4500.00} for multiple devices. However, I did not agree to, nor did I receive any goods from XXXX. I contacted them to dispute the claim and they asked me to contact the store and collect security camera footage of who used my information to secure the devices. However, the store does not have that recording. I have disputed this via certified letter to XXXX when I was first notified, and I did not receive a response. I submitted proof that XXXX and its collection agency did not respond to my dispute to all three reporting agencies, Equifax, XXXX, and XXXX and they all refused to remove the incorrect information from my reports. 
I disputed this information in the legal timeframe allowed by the FCRA, the creditor did not respond with proof that the account belongs to me within 30 days from receipt of my certified letter disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone else opened the account under my name and last name via TD bank routing : XXXX account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19 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:
On XX/XX/XXXX, it came as a shock to me when Paypal banned my personal accounts under the suspicions of fraudulent activity which I believe has no basis since I'm the only authorized user and owner of my verified accounts, because I transfered {$780.00} from the Paypal I created in XXXX to the one I use here in XXXX and spent it shortly after, it was marked as a risky transfer. I was planning to transfer all my funds here since I can't use the account I created back in XXXX. I'm XXXX citizen and I'm currently residing in XXXX, and thus I can only use one account and no longer wish nor intend to use the other since I'm no longer physically present in XXXX nor can I travel there due to XXXX travel restrictions in XXXX. 

I have been using Paypal since XXXX. I created my Paypal account here in XXXX since XXXX and was planning to transfer all my funds from the one in XXXX to the one here in XXXX so I can spend money and shop online, and send to family and friends. 

The permanent limitations will greatly impact and hurt my chances of getting paid as a freelancer in the future since most platforms where I am registered at require PayPal, also it will cause me a financial loss, block me from receiving money from family and friends abroad, and from sending to them as well. I have a sibling who is XXXX citizen living in XXXX, and planning to send some money to her next year. Also it could prevent me from shopping online since the better security Paypal offers when shopping online gives PayPal my full trust and makes it my main chosen method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please help me I have been so humiliated by XXXX XXXX XXXXXXXX hey have XXXX  dollars of mine and refuse to give it to me i opened acct XX/XX/XXXX they closed it XX/XX/XXXX and I've gone every day per request of the risk management saying it was ok to get my money and 4 locations hsve told Me no and the new XXXX location sat me in room whee eveyone could sew forb2 hours questioning me where I got my money from which was the texas rent relief program and even though check cleared the bank manager said she could hold Mt money for 7 years but why I've proven my identity I've been nice and the check is good it cleared its from the government pleade let me have my money theyvsaid no you can wait for 6 weeks will mail it to you what ikk be XXXX  by then please help snd by the way this happen 2 locations the questions andxtresting me trash or criminal while customers watched and whispering I'm so humiliated

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 2021-12-19 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2021 I called the XXXX XXXX XXXX to obtain a single one way ticket from XXXX, MD to XXXX, NJ. 

I spoke with an XXXX representative named XXXX. I was under the impression I booked a ticket after giving all of my information ( personal and credit card information ). 


I didn't receive an email verification or any tickets in the mail so on XX/XX/2021 I called XXXX XXXX  to confirm my reservationand the representative let me know there was no ticket purchased under my name. 

I booked another XXXX XXXX XXXX from XXXX for {$97.00} and immediately received my e-ticket via email. 


When I was away out of the country I received a fraud alert from my credit card company stating I had several charges on XXXX totaling almost {$1000.00}. 

These were not made by me and I have been fighting to get charges removed with no success.. 

It has been XXXX months and I have receivedno information from XXXX as to where the charges came from. 

My cell phone isXXXX. Please call me or reply to this email. I am cc-ing my attorney to pursue legal action for these fraudulent claims made on my account. 

I have also mailed the MD Generals office a hard copy of all correspondence including this email. 

I have made continuous to Chase and Southwest Rapid Rewards and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I had called XXXX XXXX to setup a different payment plan /forebrance. I was under the impression the plan was approved and ready to go after we load connection on the phone. A month later they put on my credit report that I was late on payments. I called them up and they said when we lost connection it didnt go through. I asked them nicely to re set everything up and take the negative remarks off my credit report. They set up the new payments but refused to take off the negative comments on my credit. We are currently going through a pandemic and hurting peoples credit especially when it was an honest mistake, shouldnt be the way to do business. I am asking for the negative comments/ reporting to be taken off my credit since it was an honest mistake and given the circumstances.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XX/XX/21 I sent out letter to Credit Collection Services XXXX XXXX XXXX XXXX, XXXX XXXX requesting debt validation of {$320.00} ; no response. Sent out same letter on XX/XX/21 still no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial , Inc. has failed to remove their account completely from my XXXX Credit Report per Amended Final Approved Order issued by the Court of XXXX XXXX, XXXX pursuant to Class Action Settlement in Case No. XXXX. I am an identified member of the Nationwide Class under this order, and on Pages 7-8 ( copy attached ) of the Order it stipulates that Ally waives any deficiency balances as a result of a repossession under the case terms ( which mine was ) and will DELETE any trade lines reported to CRA 's XXXX It appears that they have removed it from XXXX and XXXX, but have not removed it in its entirety from XXXX. I am currently in the process of purchasing a home, and this account still showing on my credit report is causing issues with my loan approval that I am on a deadline with the builder to submit to avoid losing {$5000.00} deposit by not meeting the terms of the loan approval deadline. Thus, this is an URGENT matter that this be corrected immediately by Ally. Time is of the essence. I am encountering significant damages to my credit score from XXXX as a result of this account still showing on my credit report with them. Please have this removed promptly.

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 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I logged into my capital one mobile app because I currently have my car loan and credit card with them and noticed that a checking account was opened ending in XXXX on XXXX. 

I called Capital One and immediately told them I didn't open that account and to close it. The rep stated that he would get it closed since it was fraudulently opened. This was XXXX of this week. I'm currently logged into my mobile app and the account is still open. 

This makes me think Capital One is doing the same thing that XXXX XXXX did. Open accounts in the customer 's name without their permission. I want to know who opened this account and I want to press charges. I didn't authorize Capital One to open an account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX got a loan for a XXXX XXXX which was price online for {$16000.00}. I also put a down payment of {$3000.00} witch is a violation of 15 usc 1605 there should not be a down payment in a Consumer credit transaction. They also never provided insurance which is supposed to be included in the finance charge an is a violation of 15 usc 1605a ( 2 ). At the end of the transaction The price of the vehicle was {$26000.00} with the total amount of payments is XXXX. The finance charge is {$8400.00} and is the sum of all charges according to 15 usc 1605. They also never gave me my right to rescind papers. Also never gave them any written consent or instruction to report this to any consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: IN

Complaint narrative:
I try disputing these ( XXXX ) account late payments thru letters and online a total of 7 times this year with Experian, these loans were in deferment, didn't require any payments, I sent Experian the letter of confirmation XXXX sent me saying the loans were on deferement and didnt require any payment. I attatched the letter to this complaint. 

This inaccurate info Experian is reporting, differs from what XXXX and XXXX are reporting because the knew my loans were on deferment.

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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
IN XX/XX/2020, MY UNEMPLOYMENT BENEFITS DEBIT CARD ISSUED BY BANK OF AMERICA WAS MAILED TO THE ADDRESS THAT I HAD ON FILE. AT THE TIME THE CARD WAS DELIVERED, I WAS INCARCERATED AT THE XXXX XXXX XXXX  ADULT DETENTION FACILITY IN XXXX XXXX, CA. THE DEBIT CARD WAS STOLEN AND THE FUNDS WERE WITHDRAWN FROM THE ACCOUNT TOTALING {$15000.00}. UPON RELEASE FROM JAIL I IMMEDIATELY WENT TO THE LOCAL POLICE DEPARTMENT AND FILED A FRAUD REPORT IN REGARDS TO THE STOLEN DEBIT CARD AND FUNDS. I FILED A FRAUD CLAIM WITH BANK OF AMERICA AS WELL. I SUBMITTED ALL THE DOCUMENTS THAT VALIDATED MY CLAIM THAT I WAS INCARCERATED AND THEREFOR COULD NOT HAVE BEEN THE ONE TO RECEIVE THE DEBIT CARD VIA MAIL. DESPITE ALL THE EVIDENCE THAT THE BANK RECEIVED, THE BANK HAS IS REFUSING TO CREDIT ME MY MONEY THAT WAS STOLEN FROM MY ACCOUNT. THE BANK HAS GIVEN ME FALSE INFORMATION SEVERAL TIMES STATING THAT THE CREDIT WAS GOING TO BE APPLIED TO MY NEW DEBIT CARD, HAVING ME WAIT MONTHS FOR MONEY THAT WAS NEVER COMING. DUE TO THIS FRAUDULENT ACTIVITY, I HAVE BECOME HOMELESS AND UNABLE TO FINACIALLY SUPPORT OR CARE FOR MYSELF. HOW CAN THE BANK REFUSE TO GIVE ME MY MONEY WHEN THEY HAVE PROOF THAT IT WAS STOLEN? IS THAT NOT WHAT THE BANKS INSURANCE IS MEANT TO COVER?

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 2021-12-20 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: CA

Complaint narrative:
Its been well over 60 days since i've reported to all three bureau XXXX XXXX and experian about several incorrect and incomplete information being reported to my credit report. This letter is a formal complaint I've attempted to resolve this matter but i am not getting any answer from the bureau as a consummer I am exersing my right. 


federal law requires respond within 30 days, yet the have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated I am maintaining a careful record of my communications on this matter, for the purpose of filing a complaint the bereau has been willful non-compliance.

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