vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I've sent dispute letters to Barclays on 2 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for at Barclays on XX/XX/2021, XX/XX/2021. I have obtained receipts that the USPS Certified Mail was delivered and signed for. The reason is for a dispute is I haven't heard any response from Barclays about my inquiry / complaint and also on my Credit Reports and they have not marked my Credit Reports with any remarks stating that the reporting is being disputed within the 30 days of the letters being received and signed for. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending valid verification, it needs to be removed from my Credit Reports. Thank You,

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 2021-05-31 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: GA

Complaint narrative:
As of now I am irritated! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the buyer agreeing! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit detailing ( 1 ) The financial framework is reliant upon reasonable and exact credit announcing. Wrong credit reports straightforwardly debilitate the proficiency of the financial framework, and out of line credit revealing techniques sabotage the public certainty which is fundamental for the kept working of the banking system. ( 3 ) Consumer announcing organizations have accepted an essential part in collecting and assessing customer credit and other data on shoppers. The financial framework is reliant upon the reasonable and precision revealing of buyer organizations. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to purchasers like me. I have connected a few times whining about the off base things on my purchaser report. Well I am complete the process of whining. I request you eliminate these off base things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by revealing incorrect things.

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 2021-05-31 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: GA

Complaint narrative:
As of now I am irritated! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the buyer agreeing! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit detailing ( 1 ) The financial framework is reliant upon reasonable and exact credit announcing. Wrong credit reports straightforwardly debilitate the proficiency of the financial framework, and out of line credit revealing techniques sabotage the public certainty which is fundamental for the kept working of the banking system. ( 3 ) Consumer announcing organizations have accepted an essential part in collecting and assessing customer credit and other data on shoppers. The financial framework is reliant upon the reasonable and precision revealing of buyer organizations. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to purchasers like me. I have connected a few times whining about the off base things on my purchaser report. Well I am complete the process of whining. I request you eliminate these off base things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by revealing incorrect things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: IL

Complaint narrative:
To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount.

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to 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 2021-05-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount.

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to 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 non-monetary relief
Consumer complaint received 2021-05-31 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: KY

Complaint narrative:
As of XX/XX/21 PayPal closed my account for no reason and will not help me with getting it back up and going. I have conducted business with PayPal for years and have never had a problem. I received an email from them stating that I was selling XXXX material through them, however the only XXXX related items I sell are XXXX XXXX websites throughXXXX. Not one of the website collects money from visitors, or has a PayPal payment gateway on the site. I sell many other items on XXXX which are not XXXX products at all and have to use the same PayPal account for all, as multiple accounts are not allowed with PaPal. I have not violated their TOS ... I am 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 hours now, as no one answers the phone. The time I did get through, the lady said it is final and she could not tell me anything further, that it is decided by another dept. If I have done something wrong at least give me a chance to fix it! They are also holding my funds for up to 180 days. Please release my money immediately, if I can not have my account back. I remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
During the months of XX/XX/2020 and XXXX of 2020 I was late on my payments to Comenity Bank XXXX card because of a work slow down due to the Covid 19 Global Pandemic. I made those payments before the 60 days late period, made them in full, have otherwise had an excellent payment history and since the have payed my balance down to XXXX I'm in the process of purchasing a home and these late payments are hindering this process. If there's any way their status of payed late could be removed, considering the circumstances of the Covid 19 Global Pandemic, it would be greatly appreciated as I will be able to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This is my 3rd complain regarding TD Bank that does not honor the {$200.00} sign up bonus. I believe the reason given was either technical glitch or fraudulent activity. On the TD Bank respond datedXX/XX/2020 ; the reason why I have been disqualified for the {$200.00} bonus because I made a {$1500.00} transfer on XX/XX/XXXX which was reflected on the Saving Account statement dated XX/XX/2020. 

However, I believe that transfer was not made by me. I believe that transfer was either technical glitch or fraud for the following reasons : 1. On the Saving statement ended XX/XX/20, the transaction on XX/XX/XXXX was marked as Transfer FROM Checking Account. It was NOT marked as Transfer TO Checking account. 

2. On the Checking account ended XX/XX/20, there was a transaction on XX/XX/XXXX that showed the {$1500.00} transfer from Saving to Checking. However, there was no transaction recorded that show the XX/XX/XXXX transfer from Checking to Saving in the Checking Statement ended XX/XX/2020that is supposed to be synched with the Saving Statement XX/XX/2020. 

Therefore, there is no complete synched records on both Saving and Checking statements. Too many errors that are not synch. TD Bank has no strong evidence to say that I was the one that made that {$1500.00} transfer from Saving to Checking account. I believe that {$1500.00} was either technical glitch or fraud. 

3. When I first saw those transaction back in XXXX 2020, I believed it was just technical glitched. So, I asked Customer Service through TD messaging system about it. On the message dated XX/XX/XXXX, I was assured that I was still qualified for the bonus despite {$15.00} maintenance fee. Therefore, I let my money stay in TD Saving account and wait for the bonus. So, consideration has been given based on the contract that has been made. 

4. TD Bank fail to give me proof that the transfer on XXXX/2020 per Checking statement was really happened and initiated by the account holder. 

5. I dont believe I made such a mistake that disqualify me for the {$200.00} bonus. I am pretty good in this type of game. The fact that now TDBank uses it as an excuse to disqualify me to get the bonus that I am entitled to ; that makes me suspicious that the glitch was fraudulent all along as way to trick customer especially the one with immigrants name like mine. 

Please send me the {$200.00} check to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted dispute letters to XXXX, XXXX, and Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.

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 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted dispute letters to Experian, XXXX, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.

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 2021-05-31 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: VA

Complaint narrative:
In XX/XX/XXXX, I settled two accounts with XXXX XXXX XXXX XXXX ( settled for less than the full balance ). In XX/XX/XXXX, I received settlement letters from XXXX XXXX XXXX XXXX and their servicer XXXX. After receiving these letters, I had a credit specialist assist in expediting the updating of the accounts on my credit reports so I could proceed with buying my home. The accounts were updated removing the active balances on XX/XX/XXXX. On XX/XX/XXXX Equifax added the balances back to the accounts, dropping my score XXXX points. I filed two disputes per account to Equifax. Equifax claimed they didnt have the settlement letters, so I uploaded them with my second dispute and faxed them to Equifax. Despite having these letters, Equifax has refused to update the balances on the accounts. I made contact with XXXX XXXX XXXX XXXX to ask for an update on my accounts. XXXX XXXX XXXX XXXX has let me know two things : that the accounts are settled in their system, no balances due from nine to them AND that Equifax has not made an attempt to contact them, despite it being a requirement for them to reach out to the creditor for verification of the status of the account. I have also not been able to review the results of my last two disputes as they are inaccessible when listed online, and they have not mailed me the results as required. The only results I have received have been by phone, telling me that the balances have been deemed accurate as reported. During my last phone call at the end of XXXX with Equifax, I submitted a formal complaint regarding the dispute department. The customer service representative I was talking with agreed with me that the account should not be carrying active balances that are affecting my credit score since I settled them and have the letters to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SCHOOLSFIRST is claiming that I was late for my XX/XX/2020 payment, however, I was not. I attempted to pay via money order but it was rejected by the teller

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is the compliant for the receiving bank. I initialed a wire of XXXX dollars from my XXXX  account to Wells Fargo on XX/XX/2020. After half year its never there. XXXX keep telling me they tried to reach Wells Fargo and never got a response for months. Is this even normal? My receiver called and there was no pending wire. I need the money back badly. My XXXX  account number is 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 2021-05-31 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$14000.00}, {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 



-PERSONAL LOAN- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 








Sincerely, XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau is claiming that I owe them more than {$500.00} for medical visits at at various hospitials. They are refusing to send me the original documentation that includes my information and patient information. I had insurance at the time of this incident so I should not owe them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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 have inquiries on my report that are not mine, I am attaching a FTC/Police report. With proof of my identity, please remove these inquiries right away. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
In early 2021 I've noticed that 'XXXX  XXXX account was showing up on my credit file with all 3 major credit bureaus, which was sent to collections, even though I've never had this account opened by me in a good faith. Therefore I've filed a FTC Identity Fraud Report where I've outlined that the account associated with 'XXXX  XXXX is per se fraudulent and I'm intending to use this report to inform agencies and request a removal. Copy of this report had been sent to XXXX, XXXX  and Equifax, respectively. While XXXX  and XXXX  did remove this account from my credit file and marked it as a fraudulent, Equifax didn't take appropriate measures to do so, even though Equifax did receive a copy of this report.

Company response to consumer: Closed with explanation