vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: PA

Complaint narrative:
I've contacted this company twice disputing unverified information on my credit report. The first letter I sent they replied they could not find my file. They did not respond to my second letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: AZ

Complaint narrative:
I filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, XXXX, and Equifax. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: MD

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath and I depose the following facts, so be it, now present : I, XXXX XXXX entered into a consumer credit transaction with CARMAX AUTO FINANCE on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and several of my Federally protected consumer rights were violated in the following manner, thus I would like in an act of good faith in this matter please expedite my request to resolve. None of my requests about these violations were addressed but instead the company responded to the debt collection. My focus is on the many violation that occurred while in this consumer credit transaction. 

I have sent a notarized copy of an Affadavit of truth which was not rebutted with any factual components at all. According to the truth in lending and fair credit repair act, i am entitled to a response to any federal consumer violations. This case can not be closed until you address the many violations that have occured. 

These are the following violations : 15USC 1605 ( A ) 15 USC 1605 ( C ) 15 USC 1611 ( 1 ) 15 USC 1635 ( A, B, F )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my 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 2021-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A collections was put on my report from XXXX XXXX XXXX in the amount of {$1400.00}. To this date this account has not been validated according to 15 USC 1692g. In addition my rights under 15 USC 1681b have been violated because I never gave Transunion permission to furnish said account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, i was email by Square.com that read " In order to compliantly sell XXXX on Square, youll need to join our XXXX  XXXX XXXX XXXX. Please fill out this form within 7 business days. After 7 business days, we will stop deposits to your bank account until the form is complete. You will still be able to process payments ... '' Late last year 2020 I shut down my XXXX XXXX because of all the regulations they have on selling XXXX. Since i stopped selling XXXX and COMPLETLY shut down the business, and DELETED my XXXX XXXX from square i started a new business. I now have a XXXX XXXX that i started after deleting my XXXX XXXX. I Emailed Square to tell them i NO LONGER SELL XXXX   PRODUCTS SO I CAN'T AND WILL NOT APPLY FOR THE XXXX PROGRAM THEY ARE REQUESTING. I gave it 7 days to see if I would get a response and i got nothing from square. I gave them a call and explained to them that I no longer sell XXXX  products, I've deleted the store and cut all ties with XXXX  products. The current store ( XXXX XXXX XXXX ) started getting sales and square still has a hold on my funds. They told me that i would hear from someone in a couple of days and the issue should be resolved. Another 4-5 days went by and I'm still getting sales and my account is still on hold over an OLD store i had. I've called the company 8 times to resolve it and no one has helped me. I had someone email me telling me if no one reached out to me by XX/XX/XXXX to email her and let her know. I emailed her 3 times with no response. I'm a small business trying to make ends meet and square is not responding or helping me in the 2day time frame they listed or the 7-day time frame listed. It's about to be a full month of me shipping out products to customers without having the funds released. If this is not resolved and my funds are not released from square I will be forced to close down my business. I can't keep sending out products without receiving the funds for the products being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Guaranteed Rate paid taxes for another property, not mine. They issued escrow analysis based on the incorrect taxes ( for the other property ). I have been asking since XX/XX/2020 for resolution with no results. Had to pay my own taxes to the the county to avoid having a lien put on my property. They asked for additional escrow which I dont owe, ( again related to the incorrect tax amount paid ). Have sent certified letters, spoken to at least 10 supervisors, been promised return phone calls and emails, but no one calls back. All I get is we are working on it. I have continued to pay my mortgage, taxes and escrow based on the amount before they made the error. Latest they deposited the check and marked it escrow. Received an email saying I have not paid my mortgage and put a late fee on my account. They had my tax money all along, it was their error and still did not pay my taxes. Im reporting this abusive behavior by Guaranteed Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I've had a mortgage with Wells Fargo since XXXX on a vacation home. The payments for this mortgage were paid automatically on time by the bill payer service of my credit union XXXX XXXX XXXX XXXX ( XXXX  ) where I have been a customer for nearly 40 years. Due to technical issues between Wells Fargo and XXXX my mortgage bills stopped getting delivered to XXXX in XX/XX/XXXX. As a result my XXXX payment was late as well as my XXXX payment, resulting in late fees. I contacted XXXX and Wells and XXXX refunded the late fees and I paid the XXXX bill and late fees on XX/XX/XXXX, and XXXX bill plus late fees on XX/XX/XXXX. At this point I thought everything was resolved and XXXX had credited my account for the late fees on XX/XX/XXXX. 

However the problem between XXXX and Wells wasn't resolved with the bill payment system and my XXXX payment also wasn't made. I only discovered this in XXXX when that bill wasn't paid and I made another manual payment for the XXXX and XXXX bills on XX/XX/XXXX. However in the mean time Wells reported my account as delinquent in XXXX dropping my credit score from Excellent to Good destroying any chance to refinance my other mortgage at a reasonable rate. 

I don't believe I should be held responsible for Wells and XXXX problems. I rely on automated payments just so I don't have to worry about them, and these companies screwed that up. I would like the late payment filed with the credit reporting agencies by Wells to be removed and my credit score repaired.

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 2021-04-17 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: FL

Complaint narrative:
I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my 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 2021-04-17 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: AZ

Complaint narrative:
I filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, Transunion, and XXXX. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with XXXX, XXXX, and Transunion.

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 2021-04-17 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: Self Financial Inc.
State: MN

Complaint narrative:
An previous significant other had opened the account XX/XX/2019 behind my back to build my credit. I been trying to dispute this account since it was opened. It has been a whole year, the company wont remove it never matter what. This company has my info that was compromised so they verified it as accurate on my report. The fact people recommend this company is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I have submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.

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 2021-04-17 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: TN

Complaint narrative:
I have contacted TransUnion LLC, XXXX and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.

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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal wants to hold my funds for 6 months and that's just not acceptable. I'm a XXXX XXXX trying to make ends meet and this major corporation is holding my funds because of some type of misunderstanding. Paypal doesn't allow you to sell weight-loss products. XXXX XXXX does not sell weight-loss products. The words weight loss is not listed anywhere on our store or on even in our description. We sell XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have sent out all the products to customers who have order and paid through PayPal. I have sent out these products and now don't have access to the funds for 180 days! 

How does PayPal say they are in business to help small businesses and even small black-owned business but holding funds to stop them from doing business. 

All of my packages have tracking numbers, all of them have been delivered and 96 % of the customers have already left 5-star reviews. 

I'm just really annoyed with this whole thing. 

A simple solution is to allow me to collect my funds from the account to run my business and i will no longer do business on PayPal ... Ever again ... Im willing to keep fighting this until that happens because I refuse to let the doors of my business close due to this frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TN

Complaint narrative:
I have contacted XXXX, XXXX, and Transunion in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on 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 explanation
Consumer complaint received 2021-04-17 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: TN

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I have submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I have submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.

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 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Someone opened an account/loan with Moneylion in my name for {$500.00}. I did not open this account - I had never heard of Moneylion until it showed up on my credit report this month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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: MA

Complaint narrative:
XXXX XXXX card opened XX/XX/2020 is NOT mine. 

Wrong date of birth showing Wrong name Experian has closed a dispute and done 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 2021-04-17 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: TN

Complaint narrative:
I have contacted XXXX XXXX, Equifax, and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Sent a Certified Letter to Experian on XX/XX/2021, requesting they investigate and provide proof of verifying the information is accurate on my credit report. The Certified Letter was received on XX/XX/2021 They have failed to investigate my request and have choosen to ignore and disregard 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 non-monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX XX/XX/2021 when I went to use my card for a purchase I was told by the Automated Voice that the account was closed for any future purchases? My concern is this account was always paid on due date and due to medical hardship carried a balance. For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of Federal Service an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the 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 explanation