vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX order products from XXXX. Paid with XXXX from my bank. Paid for overnight. 4 days later I contacted the company and that's where my order was that's my order number and I gave it to him and they said they chip it out again and give me a bogus shipping company. On the shipping site the tracking number I gave you pulled up somewhere near my house and said it was there being delivered at XXXX in the morning nothing was ever delivered. I then called my bank to dispute it and the lady said that they would look into it and probation my money within 10 days. I called back to me 15 days later and they know money ever hit my account and the gentleman said don't best edition was being done at this point my money should be back in the account. Today I contact the bank and they say I owe you XXXX to bad even though he recommended it and you used it from our application thanks I too bad. I then spoke to customer service again at the product site and they told me all will be shipping it out to you again I didn't respond to anything and XXXX minutes later a response came back and said oh okay I 35 % another XXXX minutes later and said to me what's on tonight like it was an automated que. when I called my bank again and tried to tell them hey this is a scam you're selling a product called XXXX that is basically saying hurry we're going to scam you and not refund the money. When I told the banker that he said there's nothing he could do I said so what you're telling me is to take all my money out of your bank and put it into something secure and that will take care of me when I have an issue with avenger or an online purchase for a purchase that goes through their Bank. That's the reason I'm filing a complaint today.

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
Equifax has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to 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 explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on 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 explanation
Consumer complaint received 2020-10-23 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-10-23 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: CO

Complaint narrative:
PayPal sent me a message today that it was permanently closing my account without an explanation why. I tried to contact PayPal but their automated phone system immediately hung up on me, and PayPal has apparently locked me out of being able to message it online. I can assure PayPal I did nothing fraudulent or that would otherwise violate its terms, so I want ( a ) an explanation of what problem they detected and ( b ) an opportunity to dispute the closure and get me account reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-10-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMCB CARD is reporting me as an authorized user on someone else 's account.

It is not my account. I have been disputing this with the bureaus and you keep verifying it. It is not mine and I have never signed anything. I demand you remove my name from the account and delete it from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dealing with Bank of America : I had opened a new account with Bank of America on the day of XX/XX/XXXX of 2020. I sent an initial wire of {$1300.00} to the account ( which was all I had due to being unemployed ). Less than hour later I couldn't access the account. Without notice they had shut my account down, I had to call in efforts of understanding what happened. When I called they asked me to come back to the branch to verify an additional form of ID in efforts of getting access to the account and my funds. When I went to the branch I was advised the account couldn't be reopened they're not aware why it couldn't be opened yet and they're mailing a check to my residence. They verified the correct location and advised the check should be there in 7 days. 10 days later nothing had arrived, I called back on XX/XX/XXXX to follow up, they advised it would be there in 7-12 business days. I then followed up on XX/XX/XXXX when I was advised to give account closure a call when they're open the following Monday XXXX XX/XX/XXXX ) by a manager due to me escalating the situation. The manager advised me to ask them to perform a stop payment and pick up a cashier 's check from a local branch. I patiently waited as poor as could be to find there was no way to perform a stop payment prior to 90 days and the checks usually come in 12-15 days by the manager of the account closure department. I had been provided a different story each time I called, I had been hung up on by one associate, and advised I can not speak with a manager by the second associate as I attempted to get this situation resolved today on XX/XX/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 monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
Harley Davidson is reporting a debt on my credit file I do know. I had disputed this information because I thought that the insurance paid the debt, after my findings that they didn't I contact Harley and settled the debt with them. Yet they are still reporting this erroneous balance on my credit report. I need them to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
I have multiple accounts on my credit report that do not belong to me. I filed a police report, an identity theft report, and disputed them with all the credit bureaus. Some have been removed but the bankruptcy, an account with XXXX XXXX XXXX, and an account with XXXX XXXX none of which belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
A couple of years ago I had XXXX XXXX XXXX Cable TV and Internet When I moved back to Florida I called XXXX XXXX XXXX to cancel my subscription and ask about the last day of my service month. After being told I paid the account to date and XXXX XXXX XXXX sent me instructions as to where to take the equipment which in this case was to any XXXX  XXXX. Once I returned to Florida I took the equipment that a return was required to my local XXXX  XXXX. I have been receiving these collection notices for a few months now and have talked with a rep from this company IC Systems and told them I refuse to pay for a debt I should not owe! I did want I was suppose to do. I have dealt with XXXX XXXX XXXX in the past with my cell phone and I left them because they can't keep billing straight. This is another example of their incompetence. I want this removed and the collection efforts ceased!

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 2020-10-23 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: CA

Complaint narrative:
Experian has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a credit card in the mail from U.S.BankReliacard.com. 

The card was issued to XXXX XXXX, my former name prior to my marriage 5-1/2 yrs ago. I have never banked with U.S. Bank or requested this card. 

How can this happen?

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 2020-10-23 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: ECMC GROUP, INC.
State: NY

Complaint narrative:
I have multiple lateness/missed payments on my credit report due to ECMC not properly contacting me to inform me when payments were due. I never received any statements in regards to my loan. It was also a period in time when my loan was deferred so there should not be any late/ missed payments that is being reporting on my credit file.

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 2020-10-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on 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 explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms

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