vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-31 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: FL

Complaint narrative:
My complaint is about Transunion and XXXX / XXXX XXXX   place XXXX inquiries on my Transunion XXXX file without my consent. Please see below. 

I am victim of identity theft, this has been reported to the XXXX major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize XXXX inquiries on my Transunion Credit Report on XX/XX/2019. 

Please remove immediately. XXXX XXXX from XX/XX/2019 XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2020-05-31 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: VA

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-31 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: Collection Information Bureau, Inc.
State: GA

Complaint narrative:
A debt collection agency has incorrectly reported that I owe a debt that I don't owe. I visited XXXX XXXX XXXX in XXXX XXXX, XXXX  in XXXX of XXXX. I have out of state XXXX  XXXX which i informed them of. My insurance should have been billed for my visit there and it wasn't. They sent the account to collections and they subsequently reported the derogatory as doctor 's business bureau on my XXXX  credit report. I would like them to stop reporting this on my credit report and I want it deleted from all XXXX credit bureau files.

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 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My bank PNC makes it impossible to connect my XXXX app account. Its getting annoying trying to reconnect every time I log on and 95 % of the time it wont reconnect for some strange reason and I would very much like this taken care of. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have items on my credit report that are not mine and have asked all three credit bureaus to remove them and still are reporting 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 2020-05-31 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: VA

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I have ordered checks twice from my bank Ally. Once in XX/XX/XXXX, and once recently in XXXX of XXXX. Both times the checks were sent to a former address, XXXX houses ago. After the first time I raised lots of alarms furious with my financial institution for sending literally blank checked with my routing and account number to a house in which I no longer live. I got " We're sorry, it won't happen again. '' Fast forward 7 months and sure enough it happens again. How can I trust a financial institution with tens of thousands for my money when you can't even send financial paperwork to the correct address? 

I have given this company a second chance and they have failed me. It's time someone with regulatory authority investigate Ally for this flippant disregard for customers ' financial information.

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 2020-05-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I discovered I had been a victim of identity theft a couple of years ago. I was told by the credit bureaus that I needed to file an identity theft report to be forwarded to them which I did. 

That is when I learned that they were supposed to block the items from my credit report upon receiving the requested documents. I sent this information to them more than once. The last time was in XXXX of 2020. That was according to them, per our conversation on XX/XX/2020. 

I recently went to apply for an XXXX XXXX  when I discovered the items were still there. I reached out for some legal advice on how to handle this. I was then educated about the FCRA and the XXXX. Experian refused to block the accounts when I called. 

I asked them if the federal regulations didnt apply. The lady from the fraud department told me that I didnt qualify. I asked her how I didnt qualify to be protected by federal regulations at that point, in which she said that it was company policy. She said she couldnt tell me why I didnt qualify and continued to argue that company policy supersedes federal regulations. 

I am now at risk of losing my employees during these hard times because Experian feels like they need to take the law into their own hands. Please help me to get this resolved. I didnt ask Experian to store my personal records. They choose to do this for profit, which is really disgusting to witness them handle peoples lives like this.

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 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I got a alert that my credit score went down 14 points because ENHANCED RECOVERY COMPANY put a report on my account that does not belong to me, so i call E.R.C to get information on this dept so i can get it investigate, the rep was not able to tell me the address on the bill and when the account was open, all she was able to tell me is the original creditor ( XXXX XXXX XXXX ) i never had any account with this company and i have not live in florida for over 20 years. 
The account was reported to the credit bureau on XX/XX/2020 and the amount is {$260.00}. 
Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
HESSA - reported 2 late NJCLASS student loan payments in Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681. 

They have mishandled desperately-needed federal relief granted to students under the Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116136, ___ Stat. ___ ( 2020 ) ( the CARES Act ), by, among other things, inaccurately reporting information about student loan payments that were suspended under the CARES Act. 

A class-action lawsuit is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My name, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX  {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Dept of EDXXXX XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  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 2020-05-31 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: FL

Complaint narrative:
My complaint is regarding XXXX XXXX and Equifax. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: Credit Plus Inc
State: FL

Complaint narrative:
My complaint is regarding Credit Plus and XXXX. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX continues to report inaccurate on my Experian file as XXXX charged-off accounts. This account was included and XXXX in my Chapter XXXX bankruptcy.

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 2020-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been sending evidence of incorrect reporting on my credit file and I want it deleted per the FCRA. Information on my credit report is suppose to be reporting 100 % accurate and I have sent attached documents that creditors are reporting incorrect information. I have sent multiple disputes and nothing continues to be fixed or deleted. I will be attaching documents of proof that Experian is reporting incorrect information and they will not investigate my claims or send me proof as to who they spoke to when investigating.

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 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX - reported XXXX late XXXX student loan payments in Violations of the Fair Credit Reporting Act, XXXX U.S.C. XXXX. 

They have mishandled desperately-needed federal relief granted to students under the Coronavirus Aid, Relief, and Economic Security Act, Pub. XXXX XXXX. XXXX, XXXX Stat. ___ ( XXXX  ) ( the XXXX XXXX XXXX, by, among other things, inaccurately reporting information about student loan payments that were suspended under the XXXX XXXX. 

A class-action lawsuit is needed.

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 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
First off I DO NOT have a paypal account. I used the XXXX   website to purchase a accessory for my XXXX and that site apparently uses PayPal to process the credit card transactions well now I have several unauthorized charges on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage ( Lender ) " '' XXXX XXXX  Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX  XXXX, VA XXXX A.K.A MyLoancare.com '' '' has allegedly approved me for a forbearance however a statement sent to me advised that i am two months behind and according to previous terms ; that constitutes for Credit impact and a potential foreclosure. I have attempted numerous times to fix the problem with the lender However i keep getting the round around no one gives me an answer and my statement yells late and foreclosure. I have asked them to update my statement however they refuse. I am seeking assistance as their practices are misleading and are impacting my wellbeing making me thing I will be without a home. Please assist me in getting them to fix their statements at this point I do not know if I have been approved for a forbearance due to I have been financially impacted by Corona Virus.

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 2020-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One closed my credit card account without notice on an arbitrary date ( XX/XX/2020 ) due to inactivity. I called to restate this card that I had for many years ( over five though less than ten ), and they told me it was not an option to restore the account in accordance with ever-changing terms and conditions. What they did to me sounds suspect, as action was taken without any notice two days prior to a second quarter end during the COVID crisis. This action adversely affects my credit score and inhibits my ability to refinance a house or make other credit-based decisions. The credit damage can not be fully restored by opening a new account, since age of account matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: MO

Complaint narrative:
My name, my credit files, and my integrity all has been compromised by either theft, the dark web, Equifax breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX  {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXXt XXXX ) XXXX   XXXX XXXX  XXXX NA XXXX ) Dept of ED/ XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My name, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX  breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when infact " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX {$120.00} 2 ) XXXX XXXX   {$1800.00} 3 ) XXXX XXXX  {$340.00} 4 ) XXXX XXXX XXXX {$1100.00} 5 ) XXXX XXXX  {$260.00} 6 XXXX XXXX XXXX   XXXX {$61.00} 7 ) XXXX XXXX XXXX  8 ) XXXX   XXXX XXXX  XXXX XXXX  9 ) Dept of ED/ XXXX {$56000.00} 10 ) Dept of ED/ XXXX {$31000.00} 11 ) XXXX  XXXX  XXXX 12 ) XXXX  XXXX  13 ) XXXX XXXX  XXXX 14 XXXX XXXX XXXX  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 2020-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am looking at my credit karma on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with capital XXXX XX/XX/XXXX which i never applied anything for and another XXXX on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.

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