vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 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: NY

Complaint narrative:
My ex wife opened a credit card on line with my name and used the max credit Ans did not tell me until we got divorced. Ans she used my checks to pay the credit bill so bank is telling me its my problem I need to have XXXX removed it is causing a lot of problem for me. Its still with XXXXXXXX XXXX  not a collection agency. Ans account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going Im not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks now but I just remembered I could report on here aw I feel they are not doing their job properly and it is XXXX me a grey deal as I used for talent quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There were XXXX XXXX XXXX Money Orders that were deposited into my Bank of America account on XX/XX/2021 for {$500.00} each. The Deposit Slip confirms that funds will be made available XX/XX/2021. However, shortly after, I received an email from Bank of America which stated the following for each money order : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Please note that for every check or money order deposit that is received to this account, the very same statement is used as justification for a hold, yet no deposits have ever been returned. For this case, the issuer of the money order has been called and the money order has been verified.

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 2021-12-05 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: TX

Complaint narrative:
my information has been used since I was child since XX/XX/2008 I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & inquries XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX all this is for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, it has been well on 30 days and i have yet to receive any investigation results regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UBS BANK USA
State: NC

Complaint narrative:
I co-signed on a mortgage for my daughter and son-in-law. during covid they applied for a loan forbearance. they were accepted, the loan was never in arrears, the loan has been re-written and is up to date. There is nothing outstanding and yet UBS bank has put a large false delinquency report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-05 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: NY

Complaint narrative:
My ex wife opened a credit card on line with my name and used the XXXX credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.

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 2021-12-05 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: NY

Complaint narrative:
My ex wife opened a credit card on line with my name and used the max credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX years old. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.

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 2021-12-05 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 information has been used since I was child since XX/XX/ I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX all this is for

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 2021-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX and XXXX shows my account as being under dispute which means Credit Acceptance has received a notice of dispute from me the consumer/natural person. Pursuant 15 USC 1666a Regulation of credit reports, a creditor is not allowed to directly or indirectly threaten to report to any person adversely. Credit Acceptance list me as 30/60/90/120 days late on numerous accounts during disputes. Ignoring federal law.. 

Pursuant to 15 USC 1605 Determination of finance charge, the finance charge is the sum of all charges. Meaning Credit Acceptance was already paid for the vehicle so there should be no late payments or reporting of late payments. 

Also I was never notified of 15 USC 1635 Right of rescission as to certain transactions that violation terminates alleged contract..

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 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a revolving account for {$2500.00} opened XX/XX/2006 that dispite all my efforts remains on my XXXX credit report when it is now XXXX years old ( statue in NJ/ ) is XXXX  years and it was part of a fully successful bankruptcy discharge. The account is listed as TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: Self Financial Inc.
State: CA

Complaint narrative:
i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: DriveTime
State: CA

Complaint narrative:
i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.

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 2021-12-05 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-05 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX  Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
An individual went to the key bank XXXX XXXX branch on XX/XX/XXXX and presented a fake Passport card ID, and the teller handed over {$2000.00} of my money, without presenting or swiping a bank card. The following day on XX/XX/XXXX, an individual went to the key bank XXXX branch presented a fake Passport card ID card, and the teller handed over {$2000.00} of my money. I reported the incident to key bank on XX/XX/XXXX as soon as I noticed money missing from my account. Key bank has refused to reimburse my money up till now. I filed a police report and opened a new account as instructed by key bank, but I do not have the funds to pay into it, .. my direct deposit going to fund the current account takes months to change due to logistics of things and in the meantime, all my auto payments are tied to this account. My bank card is in my possession at the time of the incident and was never reported stolen. Even though Ive been with the bank well over XXXX years, Ive always swiped my card and put my pin every time I withdrew money and it was a shock to find out someone could give my money to a stranger. Im the only one on the account since it was opened. 
The most painful part of this whole thing is that it was preventable especially in the XXXX branch. I googled the reviews on the branch as soon as this happened and I found out that the exact same thing happened to someone XXXX years ago and that individual lost {$4000.00}. My question is how can this be a mistake or an accident?. For your information also, I have a credit card with this bank and Im paying interest on it while the bank refuses to refund my money to pay down the balance. I just want this nightmare to end, .. this couldnt happened at a worse time because of other things I have to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my report for accuracy and saw an account for NATIONAL CREDIT SYSTEM from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. NCS agreed to delete the account from my 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 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my report for accuracy and saw an account for XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. XXXX  agreed to delete the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information That is being reporting. Please remove this from credit report has it is not accurate. 
This is effecting my life having this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$630.00} Chapter XXXX Bankruptcy XXXX Liability : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/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 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX transactions were duplicated in my XXXX XXXX XXXX XXXX The next day when they tried to correct the transaction history, the difference was not taken care and a deficit that resulted from the double entries was carried backwards, resulting in a loss of {$1600.00}. The Bank refused to accept this mistake and credit the {$1600.00} I am owed. 
I have print outs of the transactions both before and after corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account number ending in XXXX To Whom it XXXX concern, I never received billing statements via email ( preferred method for billing statements since XXXX ) for the following statements which resulted in erroneous a XXXX and XXXX day late reported by Capital One to all three credit bureaus. Also, the billing amounts increased due to past due amounts charged by Capital One. 

Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$170.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$230.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$280.00}. 
Billing cycle XX/XX/XXXX - XX/XX/XXXX for {$410.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$240.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$370.00}. 

A XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. And, a XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. 

I am requesting Capital One provide me the dates and proof in which the above noted statements were sent to me electronically, and dates of past due notifications sent to me by Capital One. 

I have submitted a complaint to the CFPB. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation