vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: CT

Complaint narrative:
I attempted multiple times with pre approved selections credit karma posted for me and received denial after denial making my credit score plummet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-31 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: AK

Complaint narrative:
To whom it XXXX concern : I am writing to bring to your attention an issue I am facing with my PayPal account. To my surprise, my account has been banned without any prior explanation.

As a XXXX, PayPal is a crucial platform for me to receive payment for my services and transactions. The sudden disruption of my account has caused a sign
ificant impact on my business operations, as I am unable to receive payments through PayPal now.

I would be more than happy to provide any necessary Government/Valid IDs to help resolve this issue. I already forwarded my concern to PayPal support but they can't disclose the reason why they XXXX my account. I kindly request your assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgence Capital, LLC
State: CA

Complaint narrative:
A company named Resurgence Capital put a lien on my bank account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They took out almost {$2000.00} from my account at that time and drained it out. After filing court documents to get the judgment quashed because I was never served properly, Resurgence and I worked out a deal. They agreed to keep all the money they took out of my account in exchange for resolving the outstanding debt. I was under the impression that this matter had been closed. 

I received a letter just yesterday from a firm called XXXX XXXX XXXX XXXX XXXX that says I owe them money for a debt they purchased from XXXX XXXX XXXX XXXX, stemming from my debt owed to Resurgence Capital, nearly 8 years after I resolved my issues with Resurgence. 

This was completely out of left field. I was completely blindsided by this letter. I have been under the impression for 8 years now that this debt has been resolved. During XXXX I worked tirelessly to repair my credit and resolve all outstanding debts that I had. I left no stone unturned. 

To receive a letter like this years later just seems like a shady attempt to bamboozle me out of more money when I have already reached a resolution with the original company, Resurgence Capital LLC. 

I called the XXXX XXXX XXXX XXXX XXXX to resolve this and explain the situation to them, but they do not seem like they are interested in helping me resolve this matter. They just want to bilk me out of more money. I had an agreement with Resurgence Capital. Theres no reason I should have a collection company sending me any letters about any debt stemming from that original debt. Everything has been resolved for 8 years now. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE ASKED EXPERIAN, XXXX AND XXXX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I went to the chase bank branch located at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX to deposit {$1100.00} into my checking account using the atm. I inserted the money into the depositing part of the atm when the slot began to open and close multiple times before closing and then not even counting the money I deposited. I then got an error message on the screen and and a receipt printed. I checked my account via my app and the {$1100.00} was never deposited. I brought in the receipt slip into the branch where the banker said she had to open a claim and I would have my deposit in exactly 2 hours. This process took 20 minutes and it is has now been 4 hours I still don't have my money. I called customer service and they said it could take 2 days so I requested to speak with manager due to receiving incorrect information who then was very rude and said it could take 10 days to get back and she said " I couldn't do anything about it because federal law is on chase ' side. '' This has never happened to me in my entire life and I want others to be aware of how Chase has treated me throughout this. They never once said sorry and I still don't have my money, it's being held and not returned to me. This feels criminal on Chase banks end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: NJ

Complaint narrative:
XX/XX/XXXXXXXX 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 The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.

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 2023-01-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX, XXXXXXXX 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 The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.

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 2023-01-31 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: FC HoldCo LLC
State: CT

Complaint narrative:
XX/XX/2021 Flagship Acceptance made a hard inquiry on my report. That I never authorized and I do not have an account with this company. I asked them to investigate the matter and they stated they needed further information and proof that I notified consumer financial protection bureau. However, they did say they could not find my account and needed further details.

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: RI

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE ASKED XXXX, TRANSUNION AND XXXX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXX AXXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.

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 2023-01-31 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: CA

Complaint narrative:
I HAVE ASKED XXXX, XXXX AND EQUIFAX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX USAA offered me a promotional XXXX XXXX cash advance check, with XXXX XXXX interest thru XX/XX/XXXX. I took a {$2200.00} cash advance in XXXX of XXXX. Starting in XXXX I noticed my regular monthly purchases were accruing interest, even though I was paying my monthly purchases off in full each month. USAA 's ludicrous explanation is that because I had not paid off the cash advance that my account overall was not paid in full and my regular purchases would now accrue interest. This is pathetic attempt to cover up a misleading and fraudulent offer. Why would I take out a {$2200.00} " XXXX XXXX '' cash advance in order to pay interest on the other {$5000.00} in regular monthly purchases I do with them? USAA could have easily disclosed this detail with the other details of the cash advance on the page where the promotional advance was offered ( page XXXX of the attached PDF ), over half of the page is left blank. To give me a XXXX XXXX  offer that by definition triggers interest on your regular purchases, even when paid in full, is shameful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: SC

Complaint narrative:
I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX of 2022 it shows up on my credit report that I missed a payment for these three months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit 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 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 explanation
Consumer complaint received 2023-01-31 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief