vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by silience engelhardt v. Gravens ( mo ) XXXX XXXX XXXX presume, that no proof of the alleged dept nor therefor any such dept infact there for exists,

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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I WOULD LIKE TO REMOVE ALL INQUIRIES IN MY CREDIT CARDS ACCOUNTS WITH NO QUESTIONS ASK IF YOU COULD HELP ME TO REMOVE ALL INQUIRIES IN MY CREDIT CARDS ACCOUNTS, MORGAGES I WILL APPRECIATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my First Citizens Bank account to a fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have tried multiple times to make payments on my at home card through synchrony bank. Multiple times the payment shows as authorized and confirmed yet days or weeks later I get a notice saying the payment has been RETURNED, and no specific reason is given. It is not a funds issue as every time I have checked with my bank. Every single time. Even now as I try to make a payment through my account. I get through the process of linking a bank account, and when I try to authorize the payment, the website tells me I may not schedule a payment for the current date. Yet when I try to change the date of the payment, NOTHING WORKS. It wont let me select any other date, except for the current one, which by the way, I apparently cant make a payment on. All of this combined has led to what was originally a XXXX $ charge, to have reached nearly XXXX $ and counting, because I am not permitted to make a payment. This is actively destroying my credit and is going to hurt me for years. I have tried and tried and tried to make a payment, but every time there is an issue on their end. This is ridiculous.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander Consumer USA or Santander Bank approved me for an auto loan at a dealership. They showed up on my credit report as the loan was aporoved. XXXX week after receiving the vehicle and loan and lease documents the bank began making weird phone calls to me After the Loan was approved about a fraud alert being associated with my credit profile. I asked them if my loan was already approved why would I have to remove a fraud alert so I removed it After I was approved. They then refused to acknowledge the removed alert and gave me a fake phone number to call to notify them them the alert was removed after being notified by phone in a different department. They then played phone tag with me harassing me and refusing to give me a real number and kept leaving a fake number in the voicemail. They were doing fraudulent practices by refusing to give me due process and recognize the fraud alert removal but kept asking me to call this fake number refusing to acknowledge the removal. It was credit discrimination and they did not want to complete the transaction so they kept directing me to a number that did not work. Photos of transcribed voicemail attached. My phone types the voice message while people talk and can prove this is what they have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX or XXXXXXXX XXXX approved me for an auto loan at a dealership. They showed up on my credit report as the loan was aporoved. 1 week after receiving the vehicle and loan and lease documents the bank began making weird phone calls to me After the Loan was approved about a fraud alert being associated with my credit profile. I asked them if my loan was already approved why would I have to remove a fraud alert so I removed it After I was approved. They then refused to acknowledge the removed alert and gave me a fake phone number to call to notify them them the alert was removed after being notified by phone in a different department. They then played phone tag with me harassing me and refusing to give me a real number and kept leaving a fake number in the voicemail. They were doing fraudulent practices by refusing to give me due process and recognize the fraud alert removal but kept asking me to call this fake number refusing to acknowledge the removal. It was credit discrimination and they did not want to complete the transaction so they kept directing me to a number that did not work. Photos of transcribed voicemail attached. My phone types the voice message while people talk and can prove this is what they have been doing.

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 2023-12-02 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: NY

Complaint narrative:
On XX/XX/2023, XXXX fraudulent charges were made to my Chase credit card to XXXX XXXX without my authorization or knowledge. The six charges were in the amounts of {$200.00}, {$200.00}, {$200.00}, {$210.00}, {$200.00}, and {$210.00}. 

On XX/XX/2023, an additional fraudulent charge was made to my credit card to XXXX XXXXXXXX XXXX XXXX. This charge was caught by the credit card and I received a fraud alert. I marked it unauthorized. I have included a PDF of this email. Upon seeing that my card number was being used in an unauthorized fashion from this fraud alert, I saw the other six fraudulent charges and immediately reported my card stolen, locked the account, and disputed the charges. 

Additional information was requested by Chase on each of the charges, which I provided. I have included a PDF of this form. I also called the Chase fraud department on XX/XX/2023 ; however, they were unable to discuss the matter over the phone at that time. I requested that they call me back, which they agreed to do. I never received a phone call. 

On XX/XX/2023, the review of the unauthorized charges removed XXXX out of the XXXX transactions from my account ; however, XXXX transaction ( for the amount of {$210.00} ) was determined by Chase to be my responsibility : Chase claims that I notified [ them ] that the transaction is valid. I did nothing of the sort. I have included a PDF of the review report. I attempted to contact Chase about this investigation and why/how this determination was made on this particular transaction when the other nearly identical transactions were determined not to be my responsibility, but I have yet to receive a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Happy Day, I have been trying to get my information removed from Early warning as I have called and spoken with XXXX multiple times over the years as well as stopped by several branches since XX/XX/. I have spoken with the risk department, customer service, management, and collections via phone. I do not have any outstanding accounts with this company. I do not owe any money to this company. I was not able to get any documents from early warning or any other reporting agency verifying what is owed or any account information. XXXX has also stated on their recorded line they do not have my social, name, email, phone or address linked to any account. I love XXXX, however this is affecting my ability to use and maintain my actual bank as well as open other accounts. I have managed by other means as this matter has taken a back seat until recently. I was unaware I can not use my XXXX XXXX  benefits or open additional accounts as needed. All my accounts are restricted. I am only filing a complaint because I would love to get this resolved. I am only asking to be removed from early warning as I have been trying to figure out what account needs to be addressed and this has not been provided in the last 2 years which far exceeds the 30 day limit for a response, so I am bringing it here. I am led to believe this was simply a technical error, which is fine as long as it gets corrected. I need to maintain my financial health in order to maintain the health of my home. The company itself is awesome but I am kind of stuck due to this misunderstanding. My partner has recently become paralyzed due to a horrible accident, my financial situation has changed and I really need this resolved so I can support my household during this difficult time. Thank you for any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: SD

Complaint narrative:
I received an email notification that my PayPal account is allowed to withdraw funds, but I am unable to complete the process of link new bank for withdrawals, and I have contacted the customer service representative by phone several times, but the problem has not been resolved, please help me, thank you! 
Attachment contains a notice of permitted withdrawals from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

LANDLORD USES FRADULENT TACTICS TO COLLECT RENT TWICE ON SAME UNIT, ILLIGALLY SEND FOR COLLECTION, AS SHOW IN MY CREDIT REPORT : FAIR COLLECTIONS & OUT - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 
A collection of {$6600.00} placed on XX/XX/XXXX on XXXX, for XXXX XXXX was recoded in my credit. That day the unit had already been rented for the second time. 

The result, credit score dropped from XXXX to XXXX XXXX Score on XX/XX/XXXX. I do need to have my good credit corrected, this action is fradulent. 

More Details : I signed a lease agreement in XXXX, XXXX months in advance per agent " promotion '', however, my lease would start only in XXXX. In this case never happened. 
XXXX, I requested a cancelation of my agreement, I was denied. I notified XXXX XXXX XXXX XXXX, by XXXX and email, both. 
XXXX, I asked the agent if the unit could be shown to someone interested, i was quickly dismissed. The agent didn't not want to show the unit, I later found out it was already rented. 
HELP! HELP! HELP!

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 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
This credit card debt is past the statute of limitations. They keep reporting it as new collections debt every month to the credit agencys they call where there number is different every time. Told them the debt is past the statue of limitations so they can not sue and to stop calling me yet they still call several times a day with fake numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a count with my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I have been denied access to use the card due to the company saying a decrease in a credit score. When contacting the credit bureau there is no such thing. When ask to speak to management was told there is no number to reach them also requested a letter that gives details history or explanation. Also the company has changed my monthly payments multiple times which has not made since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The company asked me for identity verification I provided it on two separate occasions and also made three separate phone calls and tried to talk with them very politely and ask them how did I get my checking account clear and verified my identity but yet I couldn't verify my identity for the card while my credit card that is but I definitely verified it for my bank account but yet they're both the exact same company and I used the checking account to pay on my credit card my complaint is why would they charge me interest on some small amount that's due which I will always pay my bills that's not an issue my issue is why do you want me to pay on a card that I can't use and also on top of it they made a couple of mistakes cuz I looked over my bill and I paid my balances all on time but yet now they're missing my credit up over some petty {$16.00} and the bad part about it is is I did pay my minimum balance every single month and have proof of it so they're wrong for that and I'm very upset I would just like some help with this please because somebody needs to let them know that this is not cool to do to people because when I'm at the store trying to use my card and it's embarrassing and also it's inconvenient and I'm pretty upset and hurt about this because I really trusted this company and I also have my banking account through them that I use daily I wish we could resolve this they won't even send me a new card they trying to act like I'm somebody else or something like that and that's not even possible because I've showed them proof of my social security card my identification of showed them everything possible I can think of to prove who I am it's not that hard for them to see and then they said that my card was undeliverable which I know isn't true because the other card that they sent me came with no problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2023-12-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXXXXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2023-12-02 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:
FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXXXXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with non-monetary relief