vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXX XXXX XXXX XXXX # XXXX. 

I have requested that Transunion provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
Transunion has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Transunion DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Transunion personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Transunion is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There is a XXXX XXXX  debt with account # XXXX & XXXX on my equifax and XXXX credit report along with XXXX XXXX XXXXXXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is a XXXX XXXX debt with account # XXXX & XXXX on my XXXX and transunion credit report along with XXXX XXXX  XXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA CORPORATION . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by BANK OF AMERICA XXXXORPORATION on XX/XX/2021 via XXXX mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA CORPORATION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ), BANK OF AMERICA CORPORATION is now civilly liable to pay me for the damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have a brand new mortgage. The XXXX XXXX XXXX sold the servicing to Specialized Loan Servicing effective XX/XX/2021. The XXXX mortgage payment correctly went to The XXXX XXXX XXXX. I am receiving multiple calls each day from Specialized Loan Servicing trying to collect the debt that I do not owe them ( or anyone ). On the phone they acknowledge I do not owe them and that they will continue to make the calls. 

I have asked for a letter from Specialized Loan Servicing stating that as of the current date, I do not have any past due amount and they will not comply. I have requested that I be put in touch with someone who has the authority to send that letter and they will not comply. The standard offer has been to have someone contact me in 24-48 hours and that time elapses without any communication aside from more debt collection calls. 

The phone numbers are masked so it will be hard for me to prove how often they are calling but it is very frequent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
After updating all credit card billing address was thought to be complete, come to find out one of my credit cards billing address information was not updated. Learning months after we had moved that the bill for that particular credit card was being sent to our old address and not being forwarded to the new one. This has caused my credit score to drop XXXX points in 60 days. They will not correct the issue ( over a {$100.00} charge ) and I've lost my XXXX credit score. Only way I found out is my credit union that I have started an account with sent me a notification. Very bummed with chase and their lack of communication with this issue! Will definitely be closing all my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Please removes these accounts as soon as possible Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ARE RECEIVABLES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased a pair of shoes for {$57.00} from a website that appeared to a reputable company. I used PayPal to make this purchase. Approximately one week later, I went to make another purchase using Paypal and my transaction was denied. 

After calling PayPal the first time, they stated there was a permanent limitation on my account but could not tell me why this happened. During this first call, customer support said they were going to put my account into review to see if the limitation could be removed and I should hear something within 5 days through an email. I never received an email. I called a second time two weeks later and spoke to another customer service rep. They told me the same thing, my account was permanently limited and the status had not changed. During this call, I told the representative that I was a victim of fraud and needed to dispute the purchase from XX/XX/XXXX. He told me that he could not help me with my dispute but that I could get legal involved but that would be hard. I ended up finding a legal page on PayPal 's website and filled out a legal dispute form regarding my limitation. I mailed the form to an address in Nebraska and had to send the letter using certified mail. In the letter I stated that I was not sure why my account was being limited and why I could not be told why over the phone. I asked PayPal 's legal dept to call me or email me with an explanation on what was going on. 

One week after mailing the letter, I received an email and it said that after reviewing my account the were not going to change their mind on my account. The response I received is " PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior ''. 

At this point in time, I still have not been able to dispute the fraudulent charge, which I immediately reported once finding out the website was not legitimate and I can not get anyone to directly communicate with me on this issue. My only resources for correspondence with Paypal has been email and certified mail communication. In addition to being a victim of fraud, Paypal is refusing to assist me with a dispute and is also firing me as a customer. In over 20 years of being a Payal customer, I have never filed a claim for fraudulent activity and I have always been an upstanding, loyal and ethical client. I was a victim and I'm being penalized for something that XXXX 's of consumers face daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: CA

Complaint narrative:
On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with Equifax. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with Equifax, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from XXXX. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There were couple of fradulent ATM trasnsactions occured from my citi debit card. One from my checking account for the amount of XXXX dollars and another from saving account for the amount of XXXX dollar. Citi bank is not honouring their claim of XXXX liability against fraudulant transaction. I submitted police compliant with my claim that it were fradulant and was not done by me. WHile they honoured my XXXX dollar claim and gave my money back. But they are not accepting the XXXX dollar claim. XXXX dollars atm withdrawal happened on XX/XX/2021 at XXXX XXXX and XXXX dollars atm withdrawal happened on XX/XX/2021 XXXX XXXX. There was an email at XXXX XXXX which says my debit card was unlocked using citi customercare representative. But it was not me who called the bank. Citi bank accepted the XXXX dollar claim and gave my money.But for XXXX dollar they are denying my claim. Both the ATM transaction occured on same day with XXXX mins difference.

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 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am a victim of identity theft. The fraud Venmo account is a result of the identity. The account was opened with fraudulent email and phone number that are not mine. I sent in email and made multiple calls to reach out to the institute to alert the fraudulent account when I received a Venmo debit card that I did not apply. I received an reply email of my email request. It states that no account associates with the email I use, and I should tell the police to send in request to open investigation. I called Venmo to follow up the dispute, but they claim that they can not verify my identity due to the account not linked with email and phone number I use even if I offer to provide other information. Since it is a fraud account opened with fraud email account and phone number by others, I have no knowledge of those information and I can not prove my identity to resolve the issue. They took my email and phone number and promised to call back, but so far there isnt any response or follow up. I just sent in another email to request for investigation and close the fraud account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Failed to conduct a proper investigation and has not responded to my requests in a timely matter. It has been over 30 days since I have requested a investigation. Ive sent multiple letters and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Names : I am not XXXX, XXXX or XXXX Addresses : I do not reside at XXXX XXXX XXXX XXXX Ga XXXX or at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX or at XXXX XXXX XXXX XXXX # XXXX Ga XXXX I am disputing delinquent accounts 1 XXXX XXXX 2 Experian 3 XXXX I am disputing Derogatory accounts 5 XXXX XXXX 4 Experian 5 XXXX I am disputing public records 2 XXXX XXXX 2 Experian 2 XXXX I am disputing the company XXXX I am disputing XXXX XXXX XXXX XXXX account I am disputing bankruptcy for the dates of the following : XXXX which the date is on my report twice XXXX also on my report three times XXXX XXXX they all were dismissed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX is attempting to collect a debt from Synchrony bank for an auto shop credit card i paid off on XX/XX/2018, i never paid interest in this account, they gave XXXX month deferred XXXX % interest, i paid off {$1700.00} then. I am being charged for pretty much the credit limit {$4700.00} out of {$5000.00} for a charge i never made nor i approved, the account was sold this debt collector, they have an open law suit and the constantly threatening and harassing. This charges are fraudulent, i had several Synchrony bank accounts, i have bought furniture, mattresses, appliances, tires, repaired my car and even financed a motorcycle with Synchrony bank, i never defaulted, had late payments and in most cases never paid interest. I opened a dispute on the credit bureaus and the agent suggested to open a dispute with the Federal Consumer protection as well. I hope i can find a resolution to this matter with using these tools and steps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL

Complaint narrative:
Okay I was contacted about this debt I asked them multiple times to feel out a debt validation letter. And they keep giving me sub par information and a bunch of XXXX about the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, checked my credit report on XX/XX/2021 and I noticed that I had a inaccurate and fraudulent account on my credit report. I have no knowledge nor did I give consent for this account to be 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 non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient student loans servicer charged me interest during covid19 year XXXX... they told me some of my loans are not federal... all my student loans are federal they are listed under student loan website... also when all these loans were transferred to XXXX they did not charge me intrest on my loans since they are federal... I consider this a fraud they stole money from me and lied about my loans... none of my loans are private or owned by private parties. Please open investigation against Navient. If need more info please let me know Thank you Here a breakdown of all the loans from the FSA wepage These are federal loans not private Direct Consolidation Unsubsidized Total Balance {$65000.00} Direct Consolidation Subsidized Total Balance {$63000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, checked my credit report on XX/XX/2021 and I noticed that I had a inaccurate and fraudulent account on my credit report. I have no knowledge nor did I give consent for this account to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made a large purchase on XX/XX/XXXX for {$8900.00} using my XXXX  XXXX credit card at XXXX XXXX. I have already paid the amount when the statement was generated. On XX/XX/XXXX, I cancelled the order. The merchant issued a credit immediately and on XXXX XXXX, it was showing as a pending transaction on the JPM site. However, the money hasn't been credited to my account yet. I called JPM today and was told that because it is a large amount, it is taking time. The problem is it is causing problem for me also, especially in the holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.

Company response to consumer: Closed with non-monetary relief