vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with Transunion and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.

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 2021-04-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with XXXX and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with XXXX  and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.

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 2021-04-15 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: MoneyLion Inc.
State: CA

Complaint narrative:
I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau. 
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Kabompo Holdings, Ltd.
State: FL

Complaint narrative:
On XX/XX/2021 I requested PAXOS send {$60.00} in XXXX  crypto currency from my account to my account with another crypto currency company. Since that time PAXOS has refused to complete the transaction, making up ridiculous " additional information required '' reasons to not complete the transaction such as asking where I got the {$60.00}, why I bought XXXX, what I plan to do with the money, etc. etc. I cooperated with their unreasonable requests to this point and now they are just ignoring me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I paid this debt a long time ago, Diversified Adjustment Company is still reporting a balance on XXXX, and they promised to delete the account upon payment, which it is still on XXXX  and XXXX, so they lied! They have violated my rights, made false statements, misrepresented facts, and did not keep their own promise! Please Help Me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about PPP loans and would help me fill mine out. I emailed him my social and banking information onXX/XX/2021 he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges onXX/XX/21 on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by funding circle for the PPP loan but he changed the login information and I believe funding company so that he would recieve my PPP loan. I filed a police report onXX/XX/21 by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING is claiming that I owe them {$100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: MO

Complaint narrative:
MY NAME IS XXXX XXXX XXXX. SOMEONE STOLE MY PERSONAL INFORMATION AND USED MY INFORMATION FRAUDULENT TO RECEIVE MEDICAL SERVICES. I HAVE ENCLOSED A POLICE REPORT AND FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: LA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: VA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: MA

Complaint narrative:
Hi, My name is XXXX XXXX, and I would like help in my Experian report getting fixed. There is a XXXX  XXXX XXXX account on my credit file, in which the credit reporting company has no shown any document with my signature on it. By Federal Law, this account has to be removed. I have no contractual obligations with XXXX  XXXX XXXX. Experian has still yet to acknowledge that my report is incorrect and that this account ending in XXXX has not been validated and verify by any physical contract. It must be removed from my credit file.

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 2021-04-15 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: Possible Financial Inc
State: CA

Complaint narrative:
I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau. 
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A new acct showed up on my credit report from XXXX XXXX, the XXXX XXXX XXXX XXXX. I am not eligible for an acct from them as I am not a XXXX  veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, Trans World Systems, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted XXXX directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from TSI they intend filing wage garnishment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TX

Complaint narrative:
My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns XXXX  XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about XXXX loans and would help me fill mine out. I emailed him my social and banking information on XX/XX/XXXX he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges on XX/XX/XXXX on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by XXXX XXXX for the XXXX loan but he changed the login information and I believe funding company so that he would recieve my XXXX loan. I filed a police report on XX/XX/XXXX by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns go smart print located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about PPP loans and would help me fill mine out. I emailed him my social and banking information on XX/XX/XXXX he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges on XX/XX/XXXX on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by funding circle for the PPP loan but he changed the login information and I believe funding company so that he would recieve my PPP loan. I filed a police report on XX/XX/XXXX by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.

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 2021-04-15 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: VA

Complaint narrative:
I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. 

XXXX XXXX assisted and enticed me to open this account and told me to transfer their " Educational Services '' balance to this credit card from another credit card they assisted me in obtaining. Those services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score and my government security clearance.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Credit report shows that I've made all of my payments for the card on-time for years and even though my financial situation is improving, they've REDUCED my credit limit, thus impacting my credit score. I've paid down my balance to what was originally less than half, and now the new limit puts me at over 90 % utilization. This is constitutes dishonest practices that affect credit decisions by other institutions. I was not notified of this action via the credit institution ; I only was made aware of this by my bank credit monitoring service.

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 2021-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In 2006, Wells Fargo engaged in applying late fees on top of unpaid late fees for my bi-weekly mortgage. This is known as pyramiding late fees. This was caused when they transferred my loan to a new service and stopped my account payments. This forced me to call and make ach payments by phone call every 2 weeks for about three months. The total of these late fees amounted to just over {$1000.00}. To this day, they insist on no wrongdoing even though they were successfully sued for this very same practice. Wells Fargo Home office refuses to fully investigate my claims and provide proof that my claim is false.

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 2021-04-15 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: SC

Complaint narrative:
There are several inaccuracies on my report that I didn't authorize these accounts are violating my rights according to the FDCPA. 

PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$430.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$230.00} I AM LOOKING AT MY CREDIT REPORT AND I HAVE THESE FRAUDLENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR ME AND I'M NOT ABLE TO BUUY A HOME FOR MY FAMILY. How can I PROGRESS FOR MY CHILDREN WHEN BUREAUS ARE ALLOWED TO REPORT THESE FRAUD ACCOUNTS??

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