vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
I have contacted the credit bureau XXXX XXXX to let them know that the public record that they are reporting on my credit file does not belong to me. They are reporting a bankruptcy for someone with the last name spelled XXXX, my last name is spelled XXXX. Please remove the inaccurate record from my credit profile I am attaching proof of the spelling of my name which shows proof that the file doesn't belong to me.

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 2023-05-10 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: CA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-10 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: CT

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-10 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: CT

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-10 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: CT

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: OR

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to you regarding the permanent limitation that was placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed by mistake, and I would like to submit a complaint to appeal this PayPal decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always complied with the terms and conditions of PayPal, and I have never engaged in any fraudulent or illegal activities. Therefore, I am confident that this limitation is a result of a misunderstanding or an error on PayPal 's part. 

Secondly, I would like to request PayPal to re-investigate my case thoroughly. I understand that PayPal has strict policies and procedures to protect its customers, and I respect and appreciate that. However, in my case, I strongly believe that the limitation was placed unfairly and unjustly. Therefore, I kindly request you to review my account again and consider restoring it if possible. 

In conclusion, I would like to thank you for your attention to this matter, and I look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or clarification. I hope that we can resolve this issue in a timely and amicable manner. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

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 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Parnell & Parnell, PA
State: GA

Complaint narrative:
I am filing a complaint against Parnell & Parnell, P.A. for a debt that they are alleging is mine. I have no knowledge of this debt and requesting the following information from Parnell & Parnell, P.A.. As a third-party debt collection agency, you are required by law to send me the original contract agreement proving that this debt is in fact mine. I am also requesting that you send your chain of title and errors and omissions policy number proving that this debt is mine. As a consumer, I know my rights and that it is against the FDCPA to collect on a debt that you can not prove. Because of this, Parnell & Parnell P.A. has willfully and negligently used my non-public personal information without my consent and is therefore deemed as fraud. I am demanding that you prove the documents that have been requested or delete and dispute the following debt. I am giving you 30 days to do this per the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I was a victim of XXXX Abuse by my roommate. I lived in a threatening and hostile home environment. I reported 3 XXXX XXXX XXXX to the XXXX  and received a XXXX XXXX XXXX. I paid all of the utility fees for the 3 months and 5 days that I shared the dwelling. On the XXXX of XXXX, I paid the rent, sans the parking fees as I do not owe a vehicle, of a little more than {$3500.00}, which my roommate refused to pay. After continued harassment and fear of my physical safety, I contacted XXXX for XXXX XXXX XXXX DC, to seek assistance in XXXX care. They accepted my case. I spent the next three months couch-hopping because of my safety concerns. XXXX XXXX XXXX continued to live on the premises until XX/XX/2023, without paying rent, parking space or utility bills. I received an unitemized collection notice from Hunter Warfield, today, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: DISCOVER BANK
State: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to DISCOVER FIN SVCS LLC, yet DISCOVER FIN SVCS LLC is not removing this fraudulent account. Discover Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet DISCOVER FIN SVCS LLC has refused to do this. The following is the fraudulent account : DISCOVER FIN SVCS LLC XXXX which was opened at an address where I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Sent a wire transfer on XX/XX/2023 for {$4800.00}. 
Cancelled the transfer on XX/XX/2023 thru BOA Customer Service that afternoon. 
Was told that the transaction was cancelled and there would be a {$25.00} service fee charged back to my account. To me this was a confirmation that the transaction was cancelled as requested. 
Called on XX/XX/2023 and was told it would take a few days for the money to be returned. 
Called on XX/XX/2023 and was told it take 4 to 5 days for the money settle. 
Called on XX/XX/2023 and was told that there is no time frame. 
Called on XXXX and was given the XXXX XXXX  phone # and was told to call them Called XXXX and they could not give me any information. 
Called back on XX/XX/2023 and was told that the case was being escalated. 
Called back on XX/XX/2023 and was told that my initial call to customer service was not correct. The initial associate should have told me that nothing was guaranteed. This was told to me by Supervisor XXXX, she told me the Compliance Department would call me by XXXX that day. No one called. 
Called back on XX/XX/2023 and requested that Compliance call me. 
As of today, no results.

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 2023-05-10 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: OH

Complaint narrative:
I submitted a dispute to Experian. I have two department of education student loan accounts. These were paid off with the Public Service Loan Forgiveness program in XX/XX/XXXX but the company servicing my loan went defunct. When my loans ( with {$0.00} balance ) were transferred to XXXX, they were still listed on my credit report as having balances. I tried multiple times to get XXXX to report this to Experian, XXXX, and XXXX ; they did not. 

So I went the route of disputing these two loans with each of the three reporting agencies ( so XXXX in all ). Five of the accounts are now correct on my credit reports : account closed, paid in full, {$0.00} balance. ONE balance remains on Experian ( {$47000.00} ). This is NOT correct -- the account was paid in full, the balance is {$0.00} ; yet this is still being calculated in my total debt. 

I submitted a dispute with Experian. I received the results on XX/XX/XXXX. However, they only removed one of the two student loans. I submitted documentation again showing {$0.00} balances on my XXXX student loans, but on XX/XX/XXXX they came back saying they rejected the dispute because I submitted the same documentation. Well, yeah, I did because they didn't make it right the first time with that documentation that clearly shows a {$0.00} balance. 

Finally, there is no way to get in touch with Experian. The numbers they provide for contact information if you need further help do not work. There is no way to connect to a real person or the recording says they are not able to take calls right now. Yes, I am calling during their business hours. 

XXXX and XXXX got this right -- Experian needs to do the same.

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 2023-05-10 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:
Please remove this erroneous account from my credit report as it is not mine

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 2023-05-10 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: MS

Complaint narrative:
There are serveral accounts and inquires that I didnt initate. One of being XXXX XXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX  or XXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt apply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: MS

Complaint narrative:
There are serveral accounts and inquires that I didnt initate. One of being XXXX XXXXXXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX XXXX XXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt applyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.

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 2023-05-10 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: Winklevoss Exchange LLC
State: TX

Complaint narrative:
Hello - I started using Gemini this year. I only had two or three transactions through them and found my account FROZEN supposedly for suspicious activity. I emailed the required documentation and numerous requests for updates and or a dialogue to clarify any questions. They are very good about responding when an inquiry is sent, though no updates are provided. 
My frozen status has been in effect since the last week in XX/XX/2023. Gemini is effectively hold my funds hostage without basis. 

Thank you for your assistance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have sent several remittance coupons in to your payment processing center. I have talked to the supervisor of billing disputes, it seems like im being ignored. I sent in a negotiable instrument this last time. Of which seems to have disappeared along with my remittance coupon. Incorrect information has been reported to the credit agencies and damaged my ability to use my credit. I have sent in my payment and none of which has been returned or applied to principal. I have no problem paying my debts, but i will not be forced to fraudulently pay double.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Can not reset password and fraud on account opening card and maximum out card and I can't even get cards now have no access to experian to dispute or view will not answer phone or give customers service

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened my Chase checking account on XX/XX/XXXX at the Chase branch but my account was locked on XX/XX/XXXX and closed on XX/XX/XXXX. I called on XX/XX/XXXX to resolve the issue with the customer service center and the XXXX office but just received a call today as of XX/XX/XXXX that my account was closed without sharing any information. 

When I called when my account was locked, I told them about some possibilities related to the incidents that happened back in XX/XX/XXXX, and below is what I shared. 

I received lots of checks from my previous company and accidentally deposited about six checks twice on XX/XX/XXXX and I requested them to be canceled one by one on XX/XX/XXXX through the app. Then my account was locked and I ended up calling them to follow up but they told me the bank decided to close the account. I tried my best explaining what happened and what actions I made but they just hung up and closed and then charged an additional fee for each canceling transaction. 

I made a mistake, but quickly made action to solve it but the bank closed it without reading my cancellation request messages or considering my follow-up calls. 

This is unfair to a customer who tried his best to fix the mistake with an excellent credit score and no criminal records at all. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a personal loan request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished loan threshold at Navy Federal Credit Union and was later denied credit. Had I known or had any transparency from NFCU I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a small business ( XXXX XXXX  XXXX ) and had four customers finance their purchases via XXXX. These four customers signed a contract with XXXX promising to make payments with interest, I delivered and mattresses and XXXX send me ACH payments with the customers names on the payment. 

Chase bank froze these four payments and are holding them saying they need in-person confirmation from the four customers that they made this payment. BUT they did not make the payments, the payments were from XXXX with just the customers ' names for reference. 

My Chase Branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Departments : Chase Mortgage Hours : Open Closes XXXX More hours Phone : ( XXXX ) XXXX XXXX info Customer Support Mon-Fri XXXX XXXX Sat XXXX XXXX  XXXX XXXX Business Support Mon - Sat : XXXX XXXX  Sun : XXXX XXXX 365 days a year XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a debt collection notice from National Credit Systems , Inc. in the mail. The letter is dated XX/XX/2023. 

I called the representative assigned to my case, XXXX XXXX XXXX. She called me back 2 days later. When she called me, she told me the amounts associated with my collections account. I told her I was a victim of identity theft and that I would like to dispute the charges. She said she would send me the identity theft packet for me to prove that this debt is not mine. This is exactly what I was expecting because I have had to fill out many of these with several debt collectors as a result of this recent identity theft. 

I then asked her for details regarding the debt owed, specifically which apartments complexes I owe the debt to and the dates for the charges. 

She would not provide me with the dates associated with the charges. This surprised me because every other debt collector has given me the dates and it is required for a debt collector to provide details regarding the debt owed. She insisted that she did not have to provide the dates. 

After getting off the phone with her, I realized she also did not email me the right information for submitting a fraud claim. She emailed me a form requesting emergency rental assistance. 

I am filing this complaint because National Credit Systems needs to provide me with the dates associated with my fraud claim and they need to send me the fraud packet so that I can prove this is identity theft.

Company response to consumer: Closed with explanation