vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filling this complaint to JPMCB AUTO for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
After checking my credit report I noticed that I have a collection from a Company called LVNV Funding for the amount of {$1100.00} I have contacted LVNV via phone asking them to please send out Validations of this account not Verify them! This Company has now submitted a garnishment of my paycheck for 25 %. BY LAW I WAS SUPPOSE TO GET NOTICE OF BEING SUE AS WELL AS WHEN THE GARSHIMENT WAS ISSUED I NEVER RECIEVED ANY NOTIFICATION FROM THIS COMPANY AT ALL AND THIS COMPANY HAS NOT SUBMITTED ANY FORM OF VALIDATIONS. I WONT THIS GARMISHMENT STOP! Being that this company is not garnishing my check for IRS tax purposes or loans you must show me proof that you provided me with the summons for the lawsuit as well as the garshiment being awarded. You can not because nothing Has come to my address. I have proof of that as well because I have all emails showing mail that has come to my home. And you guys don't even have a correct address on file making this garnishment illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Several date on credit report have inquires that I didnt not approve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PR

Complaint narrative:
The debt collector Caine & Weiner reported a negative debt in the amount of {$1200.00} reported on XX/XX/2018, XXXX and 4 months ago I didn't have a vehicle on my name and didn't have any type of vehicle insurance because at that time I wasn't located in the state of Florida and was going through a family hardship in a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with AFFIRM INC. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from Experian showing the aforementioned as reporting this information with a " balance '' of : {$110.00}. I am demanding AFFIRM INC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand AFFIRM INC. to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character and fraud in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have had an issue with Transunion for the past year I couldn't access my credit report due to TransUnion allowing another social security and birth date to added to my credit profile fraudulently as well as fraudulent account and infraction on my credit report i have been constantly having the issue of accuracy and correct information on my credit report with Transunion credit reporting i ask that this information be block removed under 15 U.S. Code 1681c2 ( a ) Block-Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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 2023-09-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries Xactus LLC XX/XX/XXXX XXXX XXXX XXXX XXXX  XactusXXXX XXXX XXXX XXXX XXXX Xactus LLC XX/XX/ Xactus LLC XX/XX/ Xactus LLC XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: LEXISNEXIS
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, I got an email from PayPal saying I can no longer use my account. My account was permanently limited and all my money ( {$7500.00} USD ) was put on hold for 180 days. 

In the email it mentioned Based on the information we have today, it appears that there was activity on this account that we can not process. Specifically, those relating to transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs.

Transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs are all against PayPals AUP which means PayPal will fine me {$2500.00} per violation and take all my money based on FALSE accusations. 

I reached out multiple times to support trying to understand and get answers but I just get super vague and general answers. 

I have NEVER been involved in any of the things PayPal mentioned. All my invoices are labeled clearly. I have a social media marketing agency and we help people grow their accounts. 

I asked PayPal for proof or evidence about this violation but as I said they just kept sending super vague statements that didnt address my issue. 

I ONLY want my funds back. I do NOT want to continue using their service. PayPal have falsely accused me of something and because of there malicious AUP policy now they can fine me ( steal my money ). 

My account history is clean. Not a single chargeback/dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: American Reporting Company
State: GA

Complaint narrative:
I am filling this complaint to AMERICAN REPORTING C for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: TX

Complaint narrative:
these accounts are not mine have never. lived in south Carolina have been trying to fix this for years remove account from credit report i was overseas working have orders to prove it for court

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
these accounts are not mine have never. lived in south Carolina have been trying to fix this for years remove account from credit report i was XXXX XXXX  have orders to prove it for court

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX CCS had called my husband mother looking for me as well as contacting XXXX XXXX my husband on his work number. My husband asked that he not be contacted on his work number. They called three additional times. CCS called from XXXX and they called XXXX. This number is owned by XXXX and can only be used to conduct business. On that day my husband received a written reprimand concerning receiving personal calls. 
I called CCS the same evening asking that he not be contacted especially on his work number for something he isnt responsible. I was transferred to XXXX XXXX settlement supervisor asking why he was contacted at work the question was never answered but an apology was given as well as stating that the number would be removed and the account would be annotated concerning my complaint and the calls would be reviewed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This account is not mine XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized 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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Negative Information on My Banking History Dear Sir/Madam , I am submitting a complaint against Chex Systems for inaccurate information that has been reported by Chex Systems on my banking history. This inaccurate information is causing significant harm to my financial reputation and has violated my rights as a consumer.

I have recently reviewed my Chex Systems report and was alarmed to discover several negative items listed that are factually incorrect. These inaccuracies include but are not limited to : XXXX. [ XXXX XXXX : date of closure XX/XX/2022, account number # XXXX, reason for dispute is inaccurate information nor was company allowed permissible purpose to share information about me. 

I would like to emphasize that these inaccuracies have had a detrimental impact on my ability to open new bank accounts and access essential financial services. As a consumer, I have the right to accurate and fair reporting of my banking history under the Fair Credit Reporting Act ( FCRA ).

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 2023-09-13 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: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX Citi bank randomly decided to lock my account and hold my funds for no reason whatsoever. They told me that my account would be closed, an Id receive my funds within 60 days. It has been well over 60 days and everytime I call Citi bank nobody has any information on my account. Due to my account being locked for no reason and not receiving my money in a timely fashion has ruined my life. Ive been late on bills and may have to file for bankruptcy.

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 2023-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I went to make a payment on my student loan through Aidvantage. 
The amount I entered was {$1100.00}. I received an email from Aidvantage that my payment of {$1100.00} received and posted. However, when I checked my account, only {$100.00} was accepted and the {$1000.00} was a payment reversal. 

This is confusing to me because the {$100.00} that was accepted was from the same routing number as {$1000.00} that was not accepted. 


There was no explanation, nor was I even made aware that the payments had been reversed. I do not believe that this is an acceptable way to run a business, and that their system should be capable of handling simple, student loan repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: U.S. BANCORP
State: GA

Complaint narrative:
US BANK ( Credit Card Provider ) XXXX XXXX. 
Contacted US Bank and explained I no longer work for the organization for which I received a card. 

I informed US Bank I resigned a month ago before the closing date. 
The individual had the nerve to tell me I had to fill out an expense report or the bill would be submitted for collection. Mind you I resigned over a month, XXXX XX/XX/2023. 

Also, I was informed to contact my old company to see how they wanted to handle the situation. Why would I attempt contact with a company I just resigned from?

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