vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( XXXX  ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, I believe someone has requested my credit file without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed 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. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX  XXXX  ACCOUNT XXXX ACCOUNT WAS OPEN XX/XX/XXXX AND CLOSE XX/XX/XXXX COMPANY FAIL TO PROVIDE STATEMENTS COPIES FROM THE ABOVE DATES. 

I HAVE MADE MULTIPLE REQUEST FOR STATEMENTS FOR ACCURACY OF ACCOUNT. 

COMPANY FAIL TO PROVIDE ACCOUNT INFORMATION AND PAYMENT HISTORY FOR PAYMENT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Contact info/ Account # XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This company has been on my credit report for awhile now and is reflecting negatively with the improper use of my credit. I have contacted XXXX multiple times to provide the original service agreement or contract with my signature starting in XXXX of XXXX  and I have never received any thing stating information requested. I have also had identity theft on report and this may be a company associate with it. I am asking for this negative information to be removed from all credit reports ASAP! I will be taking action with a Civil Lawsuit after 30 days of this complaint if not removed. 

XXXX  complaint file included and police report pages 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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
It all began when my debit card with PayPal declined for {$6.00} when I knew I should of have around {$700.00} in my account. About the same hour I'm getting notifications on XX/XX/XXXX that an address was added to my PayPal, a debit card I didn't recognize, and then a email address. Then they were all removed which I took screenshots bc I thought it was unbelievable bc I keep two factor authentication turned on all of my accounts so PayPal couldn't deny what was happening to my account and money. Here is a list of what fraud went on. The date, merchant, and amount ; {$34.00} rockwallet ( XXXX transactions ), XXXXXXXX XXXX XXXX ( XXXX ) merchant not stated, XXXX apleclothing.com, XXXX transfer out to unknown person name XXXX, error of XXXX transferred to unknown card. Currently they have credited my account back for the reported transactions however I can not touch my money for 180 days and it states permanently I can not ever have PayPal services again. I called and asked why I'm being punished by reporting fraud. They couldn't give me an answer and sent me a link to their terms and conditions. I submitted all of the proof I had showing someone got access to my account. It didn't matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  we are struggling to eat, he didn't get a gift or nothing from me. That's where all my deposits go to and I have no access to any other account or money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NJ

Complaint narrative:
The federal student loan website, student loan studentloan.gov website says student loan payment due XXXX 

We applied for loan consolidation of ParentPlus loans and received a payment estimate which is {$200.00} less than current payment on Thursday XXXX 

As of today XXXX XXXXXXXX XXXX, I did not receive any update about the consolidation loan. 
Since the loan payment was due on XX/XX/ ( Saturday ), I logged into Edfinancial ( the loan servicer ) website and was shocked when the account summary page showed payment due is over {$4200.00} ( double the due payment ). 
I was not able to enroll in autopay. The Edfinancial website account summary page stated payment was due on XXXX and added next month XX/XX/ payment also. The Edfinancial website stated past due XXXX payment must be paid immediately, I paid the payment for XXXX immediately XXXX 
I made a call to Edfinancial to point out the error, no one is available. I am hoping back will happen in 24 hours. 
I made a complaint on studentloan.gov website. 

However, it is inappropriate that my account is marked as Late in Ed Financial website, when the Federal student loan.gov website stated and still states the XXXX payment is due on XXXXXXXXI have copies of these screens in pdf format. 
This appears to be an error of the servicers Edfinancial website.

Edfinancial must 1.Correct the payment due date 2.Allow autopay enrollment 3.Allow 0.25 interest rate reduction for autopay enrollment 4.Edit payment amount to the Consolidated plus loan ICR loan amount 5.Must send a copy of the corrected loan due date to me. 

I read online that Edfinancial " new '' website has many errors in the payment due date. Many borrowers have complained about Edfinancial 's wrong due dates. 
I would appreciate CFPB takes action on correcting this servicer Edfinancial 's website errors. 
Thanking You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX XXXX paid {$240.00} to LexisNexis for LexisNexis to give them a Credit Report on me. XXXX XXXX then denied me Insurance stating the LexisNexis Report states negative information, and based on LexisNexis we hereby deny you Insurance ... and we further disclose that we paid LexisNexis {$240.00} for the LexisNexis Credit Report we used to deem you not qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and I have found unauthorized inquiries listed that are not related to any transaction by me. I am a victim of identity theft. Below are the banks where the inquiries were placed along with the date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX A ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I received two emails from Capital One stating that I had been approved for a XXXX XXXX XXXX card and that my phone number had been updated. I never applied for a card from Capital One. I created an account using my SSN and found that it was registered to a phone number that was not mine. I called Capital One and they canceled the account and opened an investigation. 

Today ( XXXX ) I received three emails from XXXX. One email said that my XXXX credit card was approved. Another said that I had updated my phone number to XXXX ( which is not my number ). The third email said that my XXXX Total Checking application was being reviewed. I have never applied for any sort of XXXX card or banking account. I called them and they canceled the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
My husband had a bill from XXXX hit his credit this year on XXXX XXXX  We received no letter of warning about this bill. It just went straight to collections. My husband only knew about this bill because his XXXX report gave him a warning that that his credit dropped by XXXXXXXX XXXX  We always pay our bills on time. We also shouldn't have a bill for the service date due to a settlement that was paid out for a car accident my husband was in. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX  ) and they do not have the information about this bill. The only bill they could see was from XXXX XXXX. They told me that they have been switching systems from another billing system and it could be weeks before this new department has the information. When I first got this news about my credit, I called them right away and they said the same thing. That they got a new system and were not able to look up bills prior to XXXX. I honestly believe they are trying to double bill us on a settlement or there is a huge error with their billing department. This drop in our credit without a way to resolve it is ruining our opportunity to buy a house and for me to gain employment in my industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
On about the XXXX of XXXX or XXXX, ... .I purchased a Vanilla Gift Card XXXX  XXXX for one of my nieces, ... .sent it to her to use for various things, ... ... supposed to be automatically activated when you purchase and add money to the card! She could not use it anywhere,... so, I had her send it back to me, I had to send her father cash, which he got to her. When I got the card back, ... ... went to the website, I submitted the information needed to get a balance, ... ... .it read that there was {$190.00} on it, ... ..instead of the {$250.00} I had sent it to her with. I was able to use it for something, and, for some reason, from then on, I was not able to make any purchases again. I went back to the site, ... ... the card had been hacked, and used for a {$75.00} purchase in XXXXXXXX XXXX ... ..which I had never been to. Had to call the card number, have it looked into, ... ... they sent me a replacement card, and, when I went to activate it, ... ..there was a XXXX balance! I had to call them again, ... ..somehow, while the card was in transit, ... ..it had been hacked, yet again, and had a XXXX balance! Yet another claim to look into by these people,...... I have had to call, or, go to the site, more times than anyone should have to!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, I was a victim of identity theft and there's 2 unauthorized hard credit inquiries that are not mine and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Please have these removed immediately as they are damaging my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint >s that experian has not removed the negative account call credit collection and also three hard credit inquiries from sky and ally. Also these items supposed to be removed from my experian credit report in 24 hours I have a federal trade commission identity theft report on file my social security number is 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