vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received and email from Best Buy offering to convert my store card to a general use card. I immediately clicked the response digitally that I did not want my card converted to a general use card in XXXX. I nonetheless received a general use credit card today in the mail. I called the company : XXXX and was informed that there was nothing they could do. They suggested I cancel my current ( new ) card and reapply, even though it could impact my credit score.

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 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal allowed me to transfer money from my banking account into my Paypal wallet on XX/XX/XXXX, but refuses to let me withdraw that money, even though it was an accident to transfer the money into the account. 

Paypal claims my account needs more information, yet that clearly did not stop them from accepting the transfer into the account. I just want my money back in the original account that initiated the transfer. 

After reaching out to Paypal on XX/XX/XXXX, asking for a refund of the transfer, the customer support agent informed me I needed to wait XXXX  months for the money to be returned. I did not receive the money then and still have not received it back, it is still in my digital wallet. 

Of course, the message center did not store the historic communications and seemingly only recently expanded their retention policy to 3 years starting XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I took a look at my credit report a few months ago and seen XXXX accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX. Afterwards i noticed that there were 2 hard inquiries on my credit report. One from the dealer and another one from XXXX XXXX which financed my loan. When I asked the dealership about this they mentioned that the dealer need tk pulll credit for privacy policy. First of all I dont understand why they need to pull credit for privacy policy when they are not lending money and secondly they did not take my proper authorization to pull credit and never mentioned that there would be 2 pulls. They are blatantly stating that I filled application when I explore asked with the salesperson that there wont be any pull and definitely not two. I feel cheated and defrauds and it has impacted my credit. These kind of dealership and there so called finance directions have no idea about lending laws and they are playing around with peoples credit

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 2023-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been receiving wage garnishments for a debt that I have no knowledge of dated back on XX/XX/2000. The courts have ruled that this be disposed of, and the company Midland Credit Management ( MCM ) is constantly resubmitting the file to my employers without notifying me of anything prior to taking my funds. This is causing me a major hardship as I have had this disposed because I am a victim of identity theft which I have explicitly stated. The current judgement balance is {$6400.00}. This total includes interest and cost fees as stated in the letter. An identity theft affidavit has already been established with the IRS due to someone filing taxes in my name previously and it has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Please remove it from 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 2023-09-16 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX  Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/3021 XXXX XXXX  Inquiry : XX/XX/2023 Please remove it from 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting false information on this account, and they agreed to fully remove this from my credit and hasn't, please provide me with the accurate information, this effects my life and you guys are listing wrong and inaccurate info U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Inaccurate bankruptcy information reported. Incorrect court name and case number. See attached documents.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following inquiries are fraudulent on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: NJ

Complaint narrative:
This information is incorrect, fraud, please delete this information. 
ra rogers inc coll consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This company is attempting to collect additional charges for services not rendered. This policy was canceled in XX/XX/2023. The final payment was made in XXXX of 2023. The company generated a new charge and billed for XX/XX/2023, at which time I did not have an account or billable services. I have attached supporting documents and would like this account removed from all credit agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
From XXXX XXXX through XXXX XXXX, they allowed their employee to steal all of my deposits, they recently claimed they would refund part of the {$4200.00} they owe me, then XXXX XXXX with Comerica bank directed me to call a general CS # at XXXX XXXX to try to recover the actual amt. They owe me. I can not reach any person to talk to at DE with any available # I am disputing all charges on my acct from XXXX through XXXX. My entire {$4200.00} needs to be refunded to me immediately by sending a check to : po box XXXX XXXX XXXX 's, as XXXX. You can not contact me via e-mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
The following inquiries are fraudulent on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: MS

Complaint narrative:
XXXX on PayPal card. PayPal denies disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Repeated calling after a verbal cease and desist. Then called from a private number that they would call me every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The most recent was XX/XX/ Sent a payment into XXXX, XXXX received the payment by XX/XX/ the payment was " returned '' I didn't do it, XXXX didn't send it back but it clearly shows the amount be returned like a shirt or something. In the month of XX/XX/2023 I received an email stating my subscription for XXXX XXXX was declined because at that time I was at {$0.00}, later that same day XX/XX/ I received another email stating that same declined subscription for XXXX XXXX had been paid. I went to check and sure enough BOA had suddenly decided to pay that and 3 or 4 more subscriptions that were all denied just hours before and now I am in the red for XXXX. I have many many many more instances of this manipulating my account XXXX cant fit them all in this box. I am suddenly getting partial pay errors trying to buy groceries, or amount authorization limit met at the gas pump. My account is almost XXXX yrs old and I have never had to worry what was in my account because everything I put there was there. My account has taken on a life of it's own, I never know what is in there or what bills are actually being paid. They also hold transactions in " processing '' for days and days and days waiting to push through after acct is at XXXX to collect XXXX fees THEY CALL ME A LIAR WHEN I TRY TO TELL THEM TO FIX THIS AND GIVE ME ALL THOSE OD FEES 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 monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The information reported for my Bankruptcy is inaccurate. Court name listed on report and actual name are not the same. Court case number is incorrect. Also the court has verified that they do not report to the credit bureaus. See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have old accounts with more then 7 years that not belong there i want them to erase the info becuse is my right and is damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed some negatively reporting items on my consumer report, on XX/XX/2023. I spoke to a representative from Equifax, and I requested validation of the negatively reporting debts. I was told I would receive a letter with results in 4 to 5 business days. Equifax did not send a response. The negative information remains on my consumer report. I was never contacted by Equifax during this " so called '' investigation. I am being adversely affected by these negative items and my reputation is being damaged. It is also affecting my creditworthiness and ability to access my credit. According to 15 USC 1681 ( A ) ( e ) the conditions were not met for a proper investigation. Also, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer, or from a consumer reporting agency, when such information was obtained directly from a creditor of the consumer or from the consumer. 
The information in question is as follows. 
A XXXX XXXX account XXXX for {$830.00} A XXXX XXXX  account XXXX for {$900.00} XXXX XXXX XXXX XXXX XXXX account XXXX for {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX account XXXX for {$12000.00} And a XXXX XXXX XXXX account XXXX for {$2200.00} Which is reporting negative information on the same debt as the XXXX XXXX account XXXX {$0.00} My right to privacy is also being violated. And 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction. I have not provided this, and I do not consent to the making public of negative items on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Reviewing my credit report presented by LexisNexis I found incorrect, inaccurate information or information that does not belong to me so I have been trying to solve this with the company without having any kind of response that manages to solve this information. 

On XX/XX/XXXX of this year, an updated report was sent to me presenting the information that I wish to dispute below in the attached documents, since this incorrect or inaccurate information can negatively affect my history. 

In the attached documents I detail the information to be disputed so that this information is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I've been attempting to apply for credit limit increases with Capital One for XXXX years now. I have XXXX cards with the company and have been a customer for upwards of 6 years now. Starting roughly XXXX years ago, they claim that there is pending legal action against me and that they are unable to authorize my credit limit increase request because of this. I have called them multiple times requesting additional details on where this information is being sourced from and how I can correct this and making sure they understand that there is no pending legal action against me. I have also confirmed firsthand and relayed to Capital One that my credit reports from the XXXX major bureaus do not show any evidence of pending legal action. Everytime I try to solve this issue by calling them, they tell me they can't provide me with information on where they get their information from, and then when I attempt to escalate to a manager I am being told that they will file a ticket and follow up with me but never do, or tell me that there's nothing they can do for me and that I'm welcome to try applying for an increase again if I believe this is in error. I have tried applying at least XXXX times now, and everytime I get the same denial with the same reason.

Company response to consumer: Closed with explanation