vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: MOHELA
State: GA

Complaint narrative:
Mohela has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but Mohela never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a Chase Client for over a decade. The reason why I am reaching out today is because of the situation In regards to two of my current Credit accounts i have. 

First is my Chase Freedom account and my XXXX XXXX account. 

Backtracking to XX/XX/2020 both my accounts were closed. I hadn't noticed this fact until around XXXX when I went to go use one of said cards. I had set up Automatic Payments this way so I wouldn't miss a payment. For some strange reason, on my XXXX Account instead of the minimum payment being automatically paid, the full amount of the card was being paid and returned. Meanwhile on my XXXX card the minimum had been paid. 

Once I figured this out I went to the XXXX in XXXX and spoke with XXXX XXXX who had put in a complaint for me. a gentleman reached out to me and understood the situation and this conversation concluded with this case being classified as a technical error. During the conversation the gentleman and I made an arrangement that because of what happened I could not fulfill the {$900.00} or so minimum payment that I had been asked to pay. He then said he would put a note in the system for me about it. He told me because of Covid there was some sort of deferral program that would allow me to hold off making payments. During this time I still had made minimum balance payments on my XXXX XXXX which also closed because of what happened to my XXXX XXXX. 

Fast forwarding to now, Long story short, someone committed fraud with my social security number and when I went to apply for Unemployment it restricted me from doing so. I went and sat with XXXX again and I explained the situation to her again. She put in another complaint for me. Someone from Credit services reached out to me, I told 3 different reps this same story. They wouldn't allow my accounts to be reopened, when i told them about the note that gentleman had left regarding the situation, I was told that there was no note. I then asked to play back the recording of the phone call and I was told that there was no call and that the person who was assisting me didn't have access to this, after i got transfered i explained the situation again and was told that the gentleman may have given me false information. The rep then agreed that it could have been a technical error and false information given to me. This is when I was transferred to XXXX and she gave me an executive email to contact. 




Thanks again for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CO

Complaint narrative:
After over 4 hours of phone conversations on 4 separate times about page 8 of my hard copy of my credit report. PDF versions do NOT show soft inquiries. 
1. Being told - can't file a dispute on soft pulls. 
2. Told the nasty comment on the soft pull has been changed to Account Review Inquiry. 
3. Told me there is nothing I can do to fix this nasty comment on my soft inquiry credit report. 

Original line reads " XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX. 
The credit union above did an investigation with my phone call and said they did NOT do an inquiry to Equifax. They called Equifax and ask them to remove it. Equifax refused. 
Someone is using their name, XXXX, to try to obtain my credit file information. I have had a freeze on my Equifax Credit Report since the XXXX Breach. This doesn't stop soft inquiries. 

This is fraud! Equifax will NOT cooperate with me or the XXXX XXXX to do further research. 
Equifax did agree to change " LOSS MITIGATION '' to " ACCOUNT REVIEW INQUIRY '' What gives Equifax the right to change it to a less nasty comment on a fraudulent soft inquiry? Who is using XXXX 's name to get my file? Why does Equifax cooperate with illegal operations or a breach? 

I can NOT file a dispute with this type of fraud entry - why? Told over and over again, no disputes on soft inquires. There is no mention of XXXX anywhere else in my credit report. There is no other negatives on my report also. I have lived overseas for the last 15 years and have no need of credit from XXXX. 

What give Equifax the right to change it and why are they not required to investigate it? Does FCRA Sec. 1692 parts D and E demand investigation? Removal if fraud? Contact law enforcement for illegal breach of my credit file. 
I contacted two mortgage lenders who told me this entry has to be removed to process a mortgage application. Equifax is breaking the law, by not removing a entry on my hard copy mailed to me and not investigating it. The credit union also told me- Equifax would NOT cooperate with this type of soft inquiry entry to be removed. 

Equifax is clearly helping fraud and doing almost nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
About a year ago in The fall of 2021, I received an alert from my credit monitoring service that I had a debt collection being reported on my credit reports. Knowing that I have no debt in collection I looked at all the credit reporting agencies and realized this was indeed NOT my debt. My license and wallet were stolen about 3 years ago and I have had some problems with identity theft since then. I filed a dispute with all three bureaus which they all returned saying it was valid debt with a company I have never had a phone with. I then proceed to contact the collection agency Sunrise Credit Services in writing to inform them that I had no idea of the debt and requested that they send the original bill and I told them it was probably identify theft. If you look at my credit history I have no late payments or unpaid debt. They responded by sending me a phone bill from XXXX XXXX XXXX with my name but an incorrect address. The address was in XXXX, Indiana. I have never lived in XXXX, IN in all of my 47 years of being alive on this Earth!! Shouldn't any credit agency or debt collecting agency be able to verify this information? 
I have a debt in collection for the amount of {$1400.00} to Sunrise Credit Services original to XXXX XXXX XXXX I have disputed this with the agencies and the credit bureaus but they continue to say it is my debt. This is fraud and I have never purchased a phone from XXXX XXXX  XXXX and I have never lived in XXXX, Indiana. 
XXXX XXXX XXXX Sunrise Credit Services

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 2022-09-20 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: NY

Complaint narrative:
False Credit Inquiries were made on my credit reports ( XXXX, Transunion and XXXX ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my 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 2022-09-20 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: NY

Complaint narrative:
False Credit Inquiries were made on my credit reports ( XXXX, XXXX and Equifax ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CA

Complaint narrative:
FCRA requires investigations to be completed in 30 days. XXXX XXXX and Experian has gone over 30 days according to the law. I did not consent to Experian and XXXX to add to my credit report. There was no investigation be either. I will be filing for a {$1000.00} in court. I will also be writing FTC that my rights were violated. Due to the Experian, XXXX breach. I am demanding one last time that the bankruptcies be removed and sent an updated 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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The case number at XXXX XXXX bank is XXXX. I was scammed on XX/XX/2022. 
I already alerted XXXX XXXX bank about the scam. I called a legitimate Bank of America toll free number on my credit card. I complained about a purchase which I have made on XXXX which is defective. Bank of America told me to contact XXXX with this number at XXXX or XXXX. XXXX of them is a Bank of America number. I do not remember which number exactly was the XXXX number. When I called XXXX, the rep told me XXXX transfer {$500.00} twice to XXXX XXXX. They told me to do this to determine any fraud was happening in my XXXX account. Then, as the XXXX rep told me to purchase some XXXX on my XXXX account, that's when I got suspicious and realize this XXXX rep is not an XXXX rep even though the actual Bank of America XXXX gave me the XXXX number. When I told the scammer to return the money, they told me that I need to purchase some BITCOIN money transaction to get my {$1000.00}. After that, I immediately contacted XXXX XXXX bank about the fake XXXX rep telling what he wants me to do. The scammer made me download some type of software app into my smartphone. This app somehow helps the scammer look what's on my phone screen as well. I gave him my passcode for the software app to give him some permission to look into my app. The did not say anything XXXX. I already deleted it and used XXXX on my phone to scan any viruses on my phone. 
I called Bank of America to complain about a purchase for {$42.00}. It was defective. BofA gave me the contact number on XXXX. It turns out the XXXX company is not an XXXX company at all, but it was fraudulent. So, I transfer {$1000.00} through XXXX to someone I don't know. Her name was XXXX XXXX. 

It is possible there is a scammer in XXXX or Bank of America, and I need your help to investigate this. 

In addition to the nonsense scam, I did purchase through XXXX for a security camera around {$42.00}. It was defective when I used it on the month of XXXX. I do need your help in this matter as well.

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 2022-09-20 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: GA

Complaint narrative:
XXXX has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but XXXX never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.

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 2022-09-20 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:
XXXX has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but XXXX never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
XXXX has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but XXXX never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I started to build my credit so I paid XXXX dollars for a secured credit card with Milestone. I paid every month for a year. This XX/XX/2022 I lost my job and made a XXXX payment. Now when I reached out to them to discuss a payment they said that my account is now with XXXX XXXX XXXX XXXX. I calleXXXX XXXX XXXX and they said my balance is XXXX outrageous. This is a secure card. I paid a deposit to be able to use only the XXXX no idea how I owe XXXX not even normal. 

They said I owed XXXX and rest is fees. How can a XXXX security leaves me owing them almost XXXX. This is a card that is fraud. I'm trying to build my credit and they say with them it will help. Ridiculous I'm shocked at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an XXXX XXXX XXXX  # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within XXXX business days. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00} and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3000.00}.

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 2022-09-20 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # 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 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received several emails that an account was opened in my name verify my email, and they updated the email. I emailed bank of america and did not hear back from them, so I tried calling and was put on hold. When I finally reached someone she kept demanding an account number, but I didn't have one since I didn't open an account ( someone else opened it in my name ). I asked for the fraud department and she finally transferred me right back to main line and I didn't want to hold again. I emailed again a week later and did receive a phone call back verifying they received my email and I needed to contact their ID theft department. He supposedly gave me a phone number to the fraud/ ID theft department. However, I have now been on hold for over an hour .... They are not taking this seriously or helping close an account, listed in my name, that was never opened by me. 
How can they even allow accounts to be opened in a person 's name without proof of ID?! 

*This form asks for an account # or billing address. I have no idea what the full account number is or what billing address someone used under my name. They used my email initially, but may have changed that already as well.

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 2022-09-20 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: AL

Complaint narrative:
I'm previously a PayPal user who received a account limitation email on XX/XX/XXXX stating " I can no longer do business with PayPal '' and " my funds will be held for up to 180 days from the limitation ''. PayPal later contacted me on XX/XX/XXXX ( by email ) notifying me my funds were now eligible for withdrawal, the problem now is when I attempt to add my current bank account to proceed with the withdrawal I get denied. I get the following error message " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' I attached a screenshot of this issue. I have tried adding multiple bank accounts to no avail and I have attempted to contact PayPal support ( which I have done for years ) and I get ignored. 

UPDATE : In the latest response I received ( Thanks in part to the CFPB ) PayPal claimed they made an adjustment which will allow me to add my bank account and withdraw my funds. They also stated this adjustment will expire on XX/XX/XXXX. I am obviously here making this claim because the adjustment they claimed they made did nothing with helping me add the bank. I now need further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # XXXX

Company response to consumer: Closed with explanation