vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: VA

Complaint narrative:
I have reached out to Equifax multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them with the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXXCOLLECTION ACCOUNT DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX UP DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX REASON : UNAUTHORIZED INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
There was not a proper investigation. I was told accounts was verified. They failed to provide me with a copy of any viable evidence anything bearing my signature.

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 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Theyre trying to collect medical debt for me from XX/XX/XXXX or XX/XX/XXXX and I have made several attempts to contact them through a credit attorney and me personally and with it continue to leave messages and send letters about a medical debt this year and Ive had XXXX since XXXX and I provided my medical insurance when I was at that hospital XXXX XXXX XXXX.. I dont owe them anything XXXX XXXX has already been paid And if it doesnt work which it should I was so also if I didnt have insurance that the presidents or the Congers cares act with pay for medical service consider that I had 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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently received a wage garnishment from midland funding through a default judgement. There are three issues with this action taken by midland funding which causes the filing of this complaint. 1 The debt was not mine, this can be proven with a police report i made back in 2017 that the credit card was being used without my consent. All midland funding statements reflect on my name because i did open that account, but was later used by my ex girlfriend. 2 The debt was charged off as bad debt, profit and loss write off this is reflected prior to the default judgement and reflected in my credit reports I possessand most importantly this is TAX FRAUD. 3 Midland funding knowingly filed documents in superior courts to obtain the default judgement and directed other entities to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was a member of Sam 's Club in XXXX, AZ for 1-year from XX/XX/XXXX through XX/XX/XXXX. I got a Sam 's Club Visa card through Synchrony Bank that gave me cashback rewards at Sam 's Club for using the card. My latest credit card statement shows I have a {$41.00} credit. 
I sold my home in XXXX and moved away from the Sam 's Club store such that it did not make sense to renew my Sam 's Club membership. 
I called Synchrony Bank on XX/XX/XXXX and asked how I get the {$41.00} cashback I'm due. They told me to stop at Sam 's Club and they would give me the cash. I stopped at Sam 's Club on XX/XX/XXXX. They said they would be very willing to give me the cash back ; but Synchrony Bank had not entered the credit in the computer. They gave me Synchrony 's phone number and told me to request that they enter the credit in the computer system. 
I called Synchrony Bank on XX/XX/XXXX speaking to XXXX and later his supervisor, XXXX. Both told me the cashback is only redeemable once-a-year in XXXX ; but they also said I would not be eligible to get the money because I am not still a Sam 's Club member. They said that is Sam 's Club 's policy. I argued that Sam 's was VERY willing to give me the cashback if Synchrony simply entered it in the computer. Sam 's Club even gave me Synchrony 's phone number. 
Both XXXX and later XXXX repeated the same story again. I asked them ; " so, you just cheat people out of the money you promised them? '' They insisted on making Sam 's Club the bad guy. I kept insisting Sam 's Club is VERY willing to do the right thing if they simply enter the credit in the computer. They kept saying, " No, they would not do that. 
What can the CFPB do to help 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 explanation
Consumer complaint received 2021-08-17 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: Westlake Services, LLC
State: DE

Complaint narrative:
Westlake service inc. illegally reported a charge off, repossession, redeemed account on XXXX, XXXX XXXX on a account that was discharged in a bankruptcy in XXXX. I under stand the law and its illegal to report the wrong information on a consumers 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 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was paid on XX/XX/XXXX, a Friday, and sent my payment to this credit card as soon as I was paid. My payment was a few days late due to it being a weekend and they refuse to refund my late fee. I have went back and forth for over a week and they refuse to help me. They said that I have already had a late fee waived and too bad. That is not how things should work in a time of a pandemic when most people are living paycheck to paycheck and have to wait until they are next paid. I asked for the case to be escalated after I received a canned response that made no sense when my reply was to a reply from them. I was told, As it turns out, we're unable to further escalate this matter either. Umm excuse me? So now you refuse to help out a customer, but you also deny the case being escalated? That is also a rude way to speak to a customer. No one should be forced to pay a {$29.00} late fee when my {$38.00} payment was received a day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to blatantly ignore my account disputes, they will not even do a proper investigation, I submitted a cfpb complaint a few days before, stating my problems they responded with an answer that didn't have nothing related to my request. They claim to do a reinvestigation. Their " reinvestigation '' took less than 4 hours before they verified these account again without providing me proof of their accuracy. I have proof attached photos of their 4 hour investigation. They are reporting inaccurately on MY credit report, and I have no say whatsoever, This is COMPLETELY unfair and unconstitutional, I asked them on multiple occasion to please do a proper investigation they investigation they did took less than 4 hours, How fail to see how in any situation is that adequate enough time to do a thorough investigation. They claim they can not remove these account because I they say they belong to me, I asked them to provide me validation of debt for proof, they have not. Also, they accuse me of working with a credit repair company, I have never in my life hired a credit repair agency. I have proof to backup every word in the complaint attached with this complaint, Experian continues to report invalidated account on MY credit report without proof, and I don't have a say. Experian is in proper violation of the FCRA. This is unfair.

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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
ATTENTION TO IC SYSTEMS ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$940.00} does not belong to me. This account was fraudulently opened through this company IC SYSTEMS ( XXXX XXXX XXXX ) in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-08-17 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: DE

Complaint narrative:
XXXX XXXX XXXX illegally reported a charge off, repossession, redeemed account on XXXX, XXXX XXXX on a account that was XXXX in a bankruptcy in XXXX. I under stand the law and its illegal to report the wrong information on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: MS

Complaint narrative:
On XX/XX/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account instead just disabled my actual account. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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

Complaint narrative:
On XX/XX/XXXX, my Paypal account was permanently limited, stopping me from making any transactions or transferring money out of my account, without any reason given for why. I currently have XXXX $ USD in my account which I can not access. Paypal as a business has promised to provide me with access to my funds and the ability to make online transactions, which has now been taken away from me without even a reason for my ban. I have been using my account for many years and have paid a large amount of fees for their services throughout that time, without any activity that would violate their terms. My latest usage which may have triggered the algorithm to flag my account was a transfer of money from my parents, which was XXXX $ USD into my account. Contacting Paypal through their help center, social media, and phone support have all given vague responses that did not solve my problem nor give reason for my ban. The email associated with my account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: GA

Complaint narrative:
I have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I have also provided them with FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2013 REASON : UNAUTHORIZED REPORTING OF LATE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax multiple times there are reporting inaccurate personal information on my consumer report. I have also advised I have NEVER given EQUIFAX or any reporting agency or third party reporting agency consent to report anything to my consumer report. I have also provided them with the FCRA laws they are violating and notified them they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

Inaccurate Personal Information : XXXX XXXX XXXX This name does not belong to me. 

My name is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: AZ

Complaint narrative:
accounts that do not belong to me are reported on my credit reports i have sent in numerous complaints to experian and i have heard nothing back and its been over 6 months 1. The following account is not mine Chapter XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX  XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXX XXXX Account Number : 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 2021-08-17 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: PA

Complaint narrative:
On XXXX XXXX XXXX someone attempted to gain access to my personal information by filling out a credit application in my name for a XXXX XXXX  Credit Card on my TransUnion and XXXX credit file., I have attempted to contact TransUnion and XXXX to remove this Fraudulent Inquiry / Identity theft of my personal information., This Action was even caught and the application was denied so to a Fraud Concern by XXXX and they sent me a letter verifying the Fraud Attempt made on my file and quickly notified me.. The letter is contained here in this notification.. If this inquiry is not removed by TransUnion and XXXX within 30 days of receipt of this notification, I will exercise my right to sue for damages under the FCRA guidelines in the Court Of Common Pleas of XXXX County, Pa located in XXXX, Pa 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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX my laptop and other belongings were stolen from my vehicle that was parked outside my partners home. On XX/XX/XXXX my credit card from Bank of America was charged for a amount of {$1700.00} from a company named XXXX. I had previously used this site to purchase sneakers but the person that stole my laptop used my account and the saved info of my previous purchase to order something. What i didnt know was that they sent it to my house. For a while my sister and mother had dozens of packages that were going missing from our porch and I concluded that there was someone going around stealing packages. Maybe it was the person who stole my laptop and was trying to recover the order they had made. 
Bank of America is still not wanting to credit my account since this was a fraud and I have now filed the same claim 4 times over the course of 4 months and still no help. I dont know what to do no more and they are even charging me late fees for not paying the monthly payments.

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 2021-08-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have reached out to Equifax credit bureau over the past 4 months. I have reached out to the company in writing several times wanting information on the 8 COLLECTION accounts that they have reporting on my report with no company information at all. ( I have attached pictures of all 8 accounts with account number in the attached files below. ) I As well asked for the method of verification for a BANKRUPTCY listed on my report. And if they were unable to product the required information that all 8 of those COLLECTIONS being reported and the BANKRUPTCY thats reporting needed to be removed IMMEDIATELY. I have asked the company several times in many letters their method of verification on these 8 collection accounts and bankruptcy and they have not responded at all to any of my request over the past 4 months. It is my right as a consumer for a credit reporting agency to tell me how they verified this information. I have advised them that if i would not receive a response within 15 days that I will be filling a complaint that was in XXXX. still there is no reply. They are supposed to handle my reports and report accurately verified information and they have failed to do so. I have been unable to move forward with buying a home because the information that is being reported is defaming my character. Please have this company delete these accounts IMMEDIATELY. The law requires a cra to investigate a report and have a full 30 days to do so. I have given them four months. I have listed the 8 collection accounts and will be attaching photos of the inaccurate inform on my credit report.Equifax has these accounts reporting with no company information. I dont know who these companies are and these should NOT be reporting on my account. 
Account numbers XXXX {$400.00} XXXX {$53.00} XXXX {$64.00} XXXX {$170.00} XXXX {$180.00} XXXX {$120.00} XXXX {$120.00} XXXX {$400.00}

Company response to consumer: Closed with explanation