vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/22 I purchased a merchandise and paid through my PayPal credit account. I noticed the merchandise was defected and didnt work. I contacted the seller and received address to return merchandise which was delivered, I have a tracking # that it was received. PayPal continued with dispute and removed amount from my statement. On XX/XX/22 it was added back to my account, I disputed again and was removed again from PayPal on XX/XX/22 in addition, I also provided copies of return merchandise and on XX/XX/22 it was added again to my PayPal account. PayPal wants me to deal with the vendor/seller, I do need to deal with them, I do not have the merchandise and DO NOT owe this money. As a result of this this amount being to my account, it affected my credit report XXXX and XXXX score by XXXX points for increased amount and over limit amount. Please help me get this taken care of. I do not owe the money of {$1400.00} to PayPal or vendor/Seller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04 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: NY

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Yes I have reached out to Indentity theft. gov here is my confirmation number for the two portfolio accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Yes I have reached out to Indentity theft. gov here is my confirmation number for the two XXXX accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: TN

Complaint narrative:
Yes I have reached out to Indentity theft. gov here is my confirmation number for the two XXXX accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have had an active Bank of America checking account since XXXX. 

On XX/XX/XXXX, someone was able to go online and froze my checking account. The account is shared with my grandma. My grandmas caretaker is the person who froze my account because In retaliation for reporting her to adult protective services. 

On XX/XX/XXXX, I wrote the bank an email explaining the situation and I scolded them for allowing a person to simply go online to freeze an account. 

I reported the caretaker to the police and to the bank. I closed the checking account Ive had for 14 years and opened a new account with the same bank. 

On XX/XX/XXXX I get a call from the resolution center who is asking me to give them my password and I told them who are you kidding and hung up the phone. I immediately called my bank to tell them that I received a call and they wanted my password. Apparently it was the bank but asking a password goes against everything you are told about scams. 

I work for the XXXX  - The state of XXXX  and they were unable to procees my direct deposit request in time so they issued me a check for {$5300.00}. I made the deposit on XX/XX/XXXX. 

On XX/XX/XXXX I drove to the bank with my XXXX  paycheck, I made the deposit with the teller. The teller did not inform me there would be a hold, in fact the teller said the money will get in the account tomorrow. 

On XX/XX/XXXX, I go to pay my bills and my account has {$150.00} dollars and a memo stating funds will be held until XX/XX/XXXX as the check might be returned. 

On XX/XX/XXXX, I called the bank, they couldnt provide me any information, I drove to the bank and made a call to the bank end, they didnt provide me any useful information and I spoke to the XXXX  XXXX branch manager and she said there was nothing she could do or tell me why my money the same checks Ive received this part year-was being held. Every person I spoke with told me a different story : 1. Its because its a new account 2, its because your check was too much 3. Its actually not us that placed the hold the check looks good its the issuers bank None of them even cared they I had only {$100.00} to last 10 days. So rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: GA

Complaint narrative:
The inquiries listed in this report are fraudulent and equifax is breaking the law by reporting fraudulent inquiries Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My identity was stolen, someone opened with PenFed Credit Union an account in my name and take out a loan, I reported the fraud, they investigated, and come to conclusion that the loan name and soc sec is mine therefore is not a fraud, and I am responsible for the loan payment, the bank never provided me with a copy of id used to open the loan or a copy of the signature page. Pen Fed Credit Union never tried to cross examine my address and picture id with the one on file. During the investigation period the thief made a payment which never raised concerns whom he is where the money comes from under middle of the investigation period. I seen it on my credit report, when I brought it to Pen Fed Credit Union Fraud Departments attention, I was told that they aware is not me paying and they still investigating my case. The Pen Fed Credit Union XXXX XXXX XXXX Fraud Investigations Manager closed my fraud report without resolving the case. and I still have the fraudulent at this point delinquent loan on my name. With a thief using that account. I need help to resolve this issue of the identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma has been making unsolicited inquiries into my credit account every 3 days since XXXX - XXXX and ongoing. I did not apply for credit from anyone and only used Credit Karma years ago and that was paid off in full, at least five years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have given the bureaus proof of items being included and discharged in bankruptcy. The first delinquency is 7 years old and the items should be deleted from my file. The late payment from years ago are still effecting me to start my life over and all I get is to keep giving proof of my residence and ID which I have sent. The following should be deleted from my credit file XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. The XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  In addition my credit report was pulled several times without my permission and should be deleted. I have several alerts showing my Identity is on the black market including my SSN. 

XXXX XXXX XX/XX/XXXX was out the country XXXX XXXX XXXX XX/XX/XXXX was out the country XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply Please have this looked into because I am getting nowhere

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: SC

Complaint narrative:
Experian As Defined by The IRS account : XXXX XXXX Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate 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 2022-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX XXXX was paid but shows as a charge off on credit report. Experian has not updated account since XX/XX/2021 XXXX XXXX XXXX was closed but it is still showing on my report. Experian has not updated report since XX/XX/2021 XXXX account has been closed but it is still on report. Experian has not updated my report since XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERICOLLECT INC for committing identity theft. I have never given AMERICOLLECT INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from AMERICOLLECT INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AMERICOLLECT INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AMERICOLLECT INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERICOLLECT INC continues its collection efforts, I will file for litigation for actual damages caused and AMERICOLLECT INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: SC

Complaint narrative:
Transunion account : XXXX XXXX As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate 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 2022-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I spoke to nelnet XX/XX/2022, I explained to them that I never gave them consent to report late payments to my consumer report. The account manager XXXX responded to me stating that I signed the promissory note opting in to furnish to my consumer report. Nelnet kept telling me pursuant to federal LAW they have to report. I keep requesting where does is state by law? please provide that information. Which NOW I KNOW ITS A lie. They claim that I opted in but nelnet or the depart of Ed never told me that pursuant to 15 usc 6802 B that I had the right to opt out. That was never given to me or disclosed to me. That mean I was not ever given the option to choose. I am requesting to opt out of furnishing late payments so they need to be updated asap. Nelnet keep sending me letters that a credit repair company is the one writing these disputes when it's me. XXXX XXXX XXXX, the NATURAL PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have given the bureaus proof of items being included and discharged in bankruptcy. The first delinquency is 7 years old and the items should be deleted from my file. The late payment from years ago are still effecting me to start my life over and all I get is to keep giving proof of my residence and ID which I have sent. The following should be deleted from my credit file XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX  In addition my credit report was pulled several times without my permission and should be deleted. I have several alerts showing my Identity is on the black market including my SSN. 

XXXX XXXX XX/XX/XXXX was out the country XXXX XXXX XXXX XX/XX/XXXX was out the country XXXX  XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply Please have this looked into because I am getting nowhere

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