vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I've been in XXXX Texas since XXXX, The address XXXX has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The Avant/Webbank Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - AVANT / WEBBANK Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please Delete the following Incorrect Addresses and Employers listed below. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX XXXXXXXX EMPLOYER UNKNOWN?

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please Delete the following Incorrect Addresses and Employers listed below. 
EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX  XXXX EMPLOYER UNKNOWN?

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, This letter is to attempt to inform you what happen during my visit to XXXX XXXX dealership while I was getting my car serviced for an oil change. While waiting to get my car serviced, a sales person asked me was I getting help. I said to her that I'm getting an oil changed. But I also asked her about the cost of a newer vehicle? She asked me about my credit score and I told her then that I did not want my credit pulled. I also told the manger the same thing, he reassured me that it would be a soft pull. But I am just finding out after my bankruptcy and checking my credit report that they indeed pulled a hard copy of my report all on XX/XX/2021, to the following XXXX, XXXX, XXXX  XXXX, XXXX, and XXXX XXXX  to review a possible loan to get a vehicle. 

I want this list of hard inquires deleted from my report as soon as possible. I really appreciate your prompt attention to this matter. 
Sincerely, AHP Rushmore has reported that I was 180 days late with my mortgage payment. Which is not true. I was sent a leger from Rushmore to prove that I was not late with my payment during anytime of my bankruptcy from XXXX. I would like for Rushmore to remove the 180 days late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This company is removing a XXXXXXXX  XXXX account off my report that was never disputed they also removed a self lender account of my report that was never disputed they keep fraudulently disputing things that I never disputed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Gentlemen : I am enclosing a copy of a letter from Bank of America. My Bank of America card was voluntarily closed a year ago and they continue to send me statements which I dispute. I have not charged anything to Bank of America Card in over a year. They have ignored my request to close the card. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX ( XXXX ) XXXX Fax ( 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 monetary relief
Consumer complaint received 2022-02-15 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: MI

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX XXXX XXXX Balance {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MI

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
With great pain, I say that I have been XXXX scammed using Paypal 's platform. I learned the hard way that due to gaps in Paypal 's policies, scammers have a free run. Let me share my story with you. 

I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month. 

After a lot of discussions and assurances, I signed up for his private club through Paypal by paying {$50000.00} ( Scammer asked me to make payment only through Paypal ). 

I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made XXXX %. 

I felt all his words to be fishy and reached out to Paypal for help as he wasn't ready to refund the money that I paid. I provided Paypal with all the relevant screenshots of our chat conversations. Paypal upon investigation enlightened me of their buyer protection policy that Financial investments wouldn't be covered and then I understood the reason for the scammer insisting on only using PayPal 's platform. 

Upon further conversations with friends and other family members, I was told that this is a complex XXXX  scheme and reviewed the SEC 's XXXX Scheme 's red flags. I reached out to Paypal and appealed that this is a XXXX scam and PayPal 's AUP policy doesn't allow such XXXX scams or " Get Rich Schemes '' on their platform with proof. Sadly, PayPal denied the case stating their policy yet not doing anything. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. 

For Scammer offering Financial Products on PayPal Platform is a paradise as gaps between Buyer Protection Policy and PayPal 's AUP gaps leave buyers like in me limbo. All I request CFPB is to stop the scammer from getting my hard earned money as I have not only lost {$67000.00} but will lose additional {$50000.00} and will lose the faith on the financial institution and bodies governing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AES/PHEAA
State: NC

Complaint narrative:
On two occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, Fed Loan Servicing, has reported the two separate accounts that I had with them as 120 days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the three major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: CA

Complaint narrative:
This Complaint is a Complaint about the CFPB! I CAN '' T believe you closed my Case! Is this what you are paid to do? Just give lip service to the consumer while these Corporate Banks wipe their feet on us? I Could very well Be XXXX  soon because Netspend Locked MY ACCOUNT FOR NO REASON! I can't even buy a {$.00} bottle of Dishsoap because Netspend has ALL MY MONEY LOCKED UP! And YOU listened to what their Rep had to say AND Closed the CASE! The lady at Netspend said that she called my phone # twice and I didn't answer and that I never called her back or responded to her email. I call XXXX.! I recieved XXXX calls from a Toll-Free number that I had never seen before but I answered the calls and there was NO ONE on the other end! I asked Hello XXXX  times before I hung up. There wasn't even breathing on the other end. When I recieved her email I called the toll free number and it went to Netspend 's phone system and then transfred me to XXXX XXXX ( I Think it was XXXX, started with a V, Have it on my phone still ), office and got her Voice Mail. She never called back. I called XXXX  times and left XXXX voice mails to call me. Never heard from Her. I left XXXX emails, Never got a reply. And then I get your email stating the case was closed on what she told you. XXXX.! Tells Me where the consumer stands! The Worst Part is I am still waiting on My XXXX ID it's been almost XXXX weeks and when I get it I am still hoping to do business with XXXXNetspend because they are my best option for a prepaid card. The XXXX XXXX Card that SSI uses is the MOST XXXX Debit Card Company out There. They might even be more crooked then our Politicians! Wait, It was the Politicians who Picked XXXX XXXX! Getting That legal XXXX money they call Political Donations. Thanks For almost NO Help CFPB! I Just go off and starve to death by myself!

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 2022-02-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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:
I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX Complete Department Stores XX/XX/XXXX XXXX XXXX General Clothing Store XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/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 2022-02-15 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: MN

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX Balance {$4100.00}

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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
The debt collection company Credence disclosed account information with my XXXX  who also has the same name they have been XXXX him and calling him regarding a debt that is not owed by him but myself trying to get him to pay he is a XXXX who does not speak XXXX so when they called he thought the debt collection was his when Im fact its was not. They tried to settle with him and disclosed the amounts. When I called credence to verify the debt they agreed with me that they broke the law about discussing the private account information with someone else and they did not properly verify the identity of the person they talked to. I asked why they charged me the amount that they did and they said for contract cancellations of XXXX XXXX XXXX but I am a employee and have no contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
I've been in XXXX Texas since XXXX, The address Equifax has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The XXXX Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - XXXX XXXX XXXX Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Know that the following inquiry was unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 
EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TN

Complaint narrative:
I sent an XXXX report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent account on my consumer 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