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: GA

Complaint narrative:
I have two inquiries on my credit report that I did not authorize. 
I filed a ftc complaint for fraud per the suggestion of the credit bureau. ( FTC Report number : XXXX ) I disputed the inquiries to Equifax along with the documentation I received results from the credit report both inquiries were removed in report file # XXXX. 

I sent another dispute to the credit bureau XX/XX/21 with the copy of the results the inquiries showed deleted. 

I received the results today XX/XX/21 the inquiries are factual. 

This is in violation of the credit report act- reporting inaccurate information

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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MINE SEE ATTACHMENTS OF PREVIOUS VIOLATIONS : XXXX XXXX  - Closed 9 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Legally paid in full for less than the full balance NAME : NOT MINE : XXXX XXXX NOT MINE : XXXX, TX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is trying to scam {$590.00} out of me saying that it is owed from a company called CashNetUSA. They are saying that I am past due on a loan from XX/XX/2021. I have not used CashNetUSA in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reached out to Equifax over and over about companies running my information and people applying for cars and credit cards in my name please help and remove these unauthorized inquiries

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: TX

Complaint narrative:
Hi. I would like for PayPal to please fully review my account. I am in desperate need of the funds in my account and I have tried everything I can to prove to PayPal that the funds received are legitimate. I understand that PayPal is stating that they are holding funds due to them seeing I was a resident of XXXX. I have uploaded all the documents that I have available to prove that XXXX  benefits were due to me as well as the XXXX  benefits. I will re-upload all the documents I have submitted prior but I really pray that PayPal offers a one time exception or an explanation as to what additional information they need to open my account. I am behind months on bills due to this and I am unable to continue to build my businesses during this time. I am also facing an eviction because of this situation. The original 180 date was supposed to end in XXXX but now PayPal is saying the 180 days is over in XXXX. If PayPal is unable to release funds, I am asking if PayPal sticks to the original 180 day hold and release them accordingly in XXXX. 

Please PayPal act in good faith and release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
DEBT COLLECTOR - XXXX, XXXX XXXX XXXX, XXXX, NH XXXX CLAIMED COLLECTION FOR : XXXX XXXX {$4600.00}. 

HAVE HAD TELEPHONE CONVERSATION TO ADVISE THE AGENCY TO DESIST FROM COLLECTION EFFORTS AND DO NOT CONTACT ME. AMOUNT LISTED ABOVE IS BEING ADDRESSED AS TO RESPONSIBILITY OF VETERANS AFFAIRS OR MEDICARE. XXXX ADVISES THEY HAVE TOLD PROCO TO STOP, BUT THEY HAVEN'T. 
I HAVE ALSO SENT A CEASE & DESIST CERTIFIED LETTER TO PROCO. STILL, I AM BEING CONTACTED FOR COLLECTION. COLLECTOR ADVISED THEY HAVE NOT BEEN IN THE OFFICE ( LISTED ON THEIR COLLECTION NOTICES ) SINCE 2020 AND CAN NOT CONFIRM RECEIPT OF THE LETTER. ADVISED TO SEND THEM AN EMAIL BUT GAVE AN ERRONEOUS ADDRESS.

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: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This is a formal request for an investigation of this account. There is a possibility that this information may be inaccurate.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation. Pursuant to 15 USC 1692G As the original credit only i can validate this alleged debt and i do not validate this debt. Sending deceptive forms such as billing statements or contracts is not a form of validation. Please remove this alleged debt from my consumer reports or else i will sue and seek remedy for all the violations and emotional distress that you have caused me.

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: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS 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 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Remove untruthful, lying negative mark of me being late with rent payment on all 3 credit bureaus immediately. You never made repairs and it was my right to with hold rent. You are still being paid your rent in full including rent increases. 



XXXX XXXX XXXX  XXXX refused to make repairs leaving my unit inhabible and illegal for 3 years to this day are : Neglected Repairs- *broken front door locks/handle 3 YEARS *NO HOT WATER IN TUB/SHOWER 3 years * faulty fumigation making roaches migrate into apartments * broken window frames/walls leaking water into unit * holes above sleeping/bathroom ceilings/walls made by maintenance * survelliance illegally put into my apartment, behind walls security system XXXX XXXX XXXX  XXXX made a bribe to code enforcement XXXX I reported XXXX XXXX XXXX  XXXX to XXXX XXXX city code enforcement As a result of bribe ( look up the records in XXXX for yourself ), XXXX XXXX of code enforcement has been out here due to my complaints but has not enforced these inhababiity issues that make my unit illegal. Despite me pleading with landlord to work with me, instead she played and abused me. 

Manager refused to make repairs. 

As my tenant rights suggest, I with hold rent. That is my right and as a result, a negative mark was put on my credit. 

After 3 years, landlord never made repairs. 

Please remove late mark on my credit reports

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My first letter dated XX/XX/2021 : On XX/XX/2021, my initial letter I stated : reporting and publishing inaccurate and incomplete information ( " tradeline '' ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs, jobs, and loss opportunity. 

The following accounts you are publishing about me is inaccurate and incomplete because Wrong Accounts Numbers, Incorrect Balance, Missing Information, Incorrect Credit Limit, Status or other field blank, Date of last activity incorrect, Collection account listed with a limit, but a collection can not have a limit, Late pays after an account was closed and Charge off listed as " open '' or collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My Second Letter dated XX/XX/2021 ( Uploaded ) : By not replying in a timely manner to my initial letter on XX/XX/2021, you ( Equifax ) have not only violated federal and state laws, but failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed items ins entirely inaccurate and incomplete, and represents a very serious error in their reporting. See upload attachment.

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 when making payments — Problem during payment process
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
i Made a Payment Today {$40.00} at The M & T Bank Located XXXX XXXX XXXX, XXXX  XXXX, NY XXXX for some reason the payment did not post to my Credit Card account and i am very Upset about this and my Payment is Due XX/XX/2021. 
and for some reason customer care cant see the payment on my credit card account ending 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management is a collection agency who doesn't have a contract bearing my signature showing that I owe them money or a contract that shows that this account is reported accurately. I asked for a contract bearing my signature showing that I have a legally binding contractual obligation to pay them and they have failed to provide me that. I have sent a debt validation twice to this company and they have failed to provide me with any documents. Also I asked for this to be removed from my credit report immediately. I have attached my debt validation letter and Midland Credit Management response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: SC

Complaint narrative:
I checked into a hotel, XXXX XXXX XXXX, on XX/XX/2021. They required a room deposit of {$350.00} at check-in. I then placed the deposit hold on my Ace Elite Prepaid NetSpend Card. I then checked out of the hotel on Friday XX/XX/XXXX. When I checked out I had a XXXX balance due because No Charges were made to my room! The hotel said the {$350.00} would be released within 24 hours, but when it goes back into my account is based on my bank. 

It is now XXXX the XXXX and NetSpend has yet to release the hold and refuses too!, I even e mailed them 2 different portfolios from XXXX showing that I have a XXXX balance due, and they still wont release it! I am beyond frustrated!!!!! Its been over 2 weeks since I checked out!! If money were due, the hotel would have taken it long before now. I have been with NetSpend over 10 years and have deposited over {$500000.00} into my account with this unethical company. I want my money. Period!

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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: GA

Complaint narrative:
Trans Union continues to report a fraudulent account and various inquiries I have not authorized. I have already placed a fraud alert on my credit files but it has not stopped someone from applying for credit. I have supplied Trans Union with an identity theft affidavit, as well as, a letter requesting the fraudulent information be removed. Trans Union has not acknowledged my concerns or handled my dispute properly. I AM A VICTIM OF IDENTITY THEFT. This matter should not be handled by the E-OSCAR system. This fraudulent account and these fraudulent inquiries need to be removed immediately.

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 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit Card refuses to dispute charges From XX/XX/2021. One in the amount of XXXX with XXXX and an additional amount of XXXX placed by XXXX. The merchants agreed to approve the dispute but creditor did nothing.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
somebody try to get a credit card under my name and made a hard inquiry in capital one on XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When I was XXXX years old, in XXXX I opened a Bank of America checking Account for the first time. At XXXX I didnt have a lot of money, but I did have enough to keep it open. 1 week later the account was restricted, I called Bank of America, the bank said they made a final decision to close the account and no longer do business with me. Fast forward 3 years later, I try to open a checking account again today on XX/XX/XXXX and receive the same explanation. I dont owe any money, I dont write checks, I didnt do anything wrong and here I am sitting in limbo trying to figure out what the XXXX is up with this bank. Are they XXXX or something like what the XXXX is going on here.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

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 — Fee problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been a RBFCU customer for years now and their fee charging practices need to be looked at closely. I believe their rules to charge fees are unfair to the customer, especially when compared to other Big Financial institutions. I have given this credit union a lot of my business since the past few years and being profitable to them. I have never incurred any fees. 
Here is what happened We did 2 transactions at the same time one debit transaction and one credit transaction from the same account. We paid our XXXX Credit Card Bill from Checking XXXX on XXXX and the same time we moved money from RBFCU account XXXX to cover the transfer from the checking account XXXX. Now RBFCU pulled the credit card payment first and then credited the transfer when both were done the same time ( between 3 mins of each other ). That triggered 2 separate fees one on RBFCU XXXX account and another on XXXX. The first fee was the insufficient funds fee of {$24.00} that was triggered on XXXX of XXXX on XXXX because RBFCU did not credit the transfer before pulling the credit card payment it also rejected the payment on the XXXX card on the XXXX and re-applied the payment back on the XXXX card successfully on the XXXX. 
We reached out to RBFCU customer service explaining this scenario and their representative says they can not waive this fee as it was a valid fee and it was not an error. I believe its an error to blindside customers when we are moving funds between accounts to make payments across financial institutions and the unseen / unknown rules that are put in place by RBFCU that unnecessarily trigger fees when our intention was not to have insufficient funds in our account or deliberately incur any fees.

Company response to consumer: Closed with explanation