vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: OK

Complaint narrative:
Subject : Fraudulent application submitted on XX/XX/XXXX for the amount of {$1200.00}. 
Today XX/XX/XXXX, I received an email that I have a payment due. This alarmed me, I contacted Three Sticks Lending on XX/XX/XXXX and spoke with the Fraud Department Representative XXXX. XXXX called XXXX XXXX the bank where the money was deposited and we spoke to XXXX that verified the deposit. I verified that that is not my account. The Three Sticks Lending Company sent me via email a fraud form to fill out which I did on XX/XX/XXXX. They suggested that I could report this to the police and the FTC. I think XXXX XXXX should have known that my name was not on the account. 
After today 's email, thinking all the previous emails were junk and not to open the emails, I put them in my trash file. I read the email on XX/XX/XXXX that a loan was actually processed in my name, I looked back at all the emails from Three Sticks Lending and found the following : XX/XX/XXXX that a loan was approved and the funds were available. On XX/XX/XXXX an email was reminding me of an upcoming payment due. On XX/XX/XXXX an email came that I had insufficient funds for a payment. I did not make this loan application nor did I receive the funds. Now, I'm concerned about my credit. This past year I have been trying to improve my credit because I plan on retiring in XXXX. 
Sincerely, 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 explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XXXX XXXX XXXX I sent in to XXXX and Transunion a certified letter ( s ) in regard to addresses listed on my credit report which are not mine. I have never lived at the addresses listed below and I have already expressed this to the credit bureau ( s ) in which they still have these ownerless addresses on my file. The addresses that are not mine and I have NEVER lived at are as follows 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. 

Under FCRA 15 U.S.C. 623 " A furnisher must NOT furnish inaccurate consumer information to CRA. Also, " when Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors. '' These incorrect and nonbelonging addresses need to be removed immediately by law and Consumer right.

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 2024-08-27 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: NY

Complaint narrative:
IAM XXXX XXXX XXXX  SS#XXXX  DOBXXXX  MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  TODAYS DATE XXXX 
I HAVE NOTICED MANY INCORRECT ADDRESS NAMES AND EMPLOYMENT INFORMATION ON MY CREDIT PROFILE. CORRECT AND UPDATE  THESE ADDRESSES ,NAMES AND EMPLOYMENT NOW .IAM A FEDERALLY PROTECTED CONSUMER  I NEVER PERMITTED THESE ADDRESS.. I ASK FOR MY PROPER ADDRESS TO BE UPGRADED MY ADRESS TO XXXX XXXX XXXX XXXX XXXX,GA XXXX  AND MY NAME TO BE UPDATED TO
CORRECT NAME: XXXX XXXX XXXX

LIST OF INCORRECT ADDRESSES:
Addresses
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  
LIST OF INCORRECT NAMES: XXXX XXXX XXXX, XXXX XXXX 

CORRECT NAME: : XXXX XXXX XXXX  

INCORRECT EMPLOYMENT: XXXX XXXX XXXX XXXX
CORRECT EMPLOYMENT: 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 2024-08-28 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:
Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.

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 2024-08-27 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:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-08-27 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: WA

Complaint narrative:
I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent accounts are listed in the attached FTC.

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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a XXXX credit card, with 0 % interest charges on purchases and balance transfers for 15 months. I just received my monthly statement for XX/XX/year> and there is a posted interest charge of {$91.00} ... .... I attempted to dispute this interest charge however the SavorOne/Capital XXXX website will not allow a dispute as this is a bank card generated charge, not from a merchant. there is no live chat feature as well only a " XXXX '' contact. I then called the XXXX customer service and the individual could not intelligently answer my question ( why am I being charged interest on a 0 % interest credit card ), only repeating " it's interest on purchases '' ... ...... I then asked to be transferred to the balance transfer team where I inquired about this misc. charge of {$91.00} but I was told this was not related to my recent balance transfer from a XXXX XXXX XXXX  account. I am confused and a bit upset that I could not resolve this obvious XXXX XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: OH

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth third bank reps continue to call me daily. I have 7 VM saved from when they call & my phone was off & their call does not show up on phone call log. 1/2 these vm are extremely hard to understand as banks customer service seems to be based in XXXX XXXX XXXX where English is not required. I have told these reps on 3 occasions, including the day of the funeral I am not XXXX XXXX. I am not even a fifth third bank customer. I am not likely to become one either, seeing how they operate. The name is fake & he used a fake phone number, & the bank loans the scammer a bunch of money without verifying his info, that is not my fault, probably a inside job. Fifth third should look into their loan dept. employees & practices before loaning money to scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
XXXX XXXX XXXX ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a debt collector the debt collector must cease all communication. They have been calling after business hours and sending multiple letters in the mail. They removed this collection from my report in XX/XX/year> then added it back. The Fair Credit Reporting Act ( FCRA ) prevents credit reporting agencies from adding back information that a consumer has disputed and had removed from their credit report. I have attached the screenshot the week it was removed. The collection company name is Conserve. Account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Before applying for a promotional offer by PenFed credit union I contacted their customer service Representative to verify if I qualify for the promotion. 
I received a written confirmation ( email. attached ) from the PenFed credit union customer service that I do qualify for the promotion. 
The answer is an official binding confirmation from the credit union. 
After receiving the confirmation, I fulfilled the requirements for the promotion. 
After that PenFed credit union representatives multiple times stated to me ( by emails and in phone conversation ) that the promotion would be paid. 
Ultimately, after many long deliberate delays and false promises, PenFed credit union refused to pay the promotion. 
It appears that false statements, deceit and customers cheating is a standard practice for this credit union. 
I went ahead and fulfilled the requirements of the promotion only AFTER I received the official, binding confirmation of qualification from the customer service representative, who officially stated it on behalf of the credit union. 
Without this confirmation of eligibility under NO circumstances I would have fulfilled the requirements of the promotion. 
Under NO circumstances I would have fulfilled the requirements if the promotion was not offered. 
And I have no intention to provide the actions of fulfilment of the requirements without the credit union fulfilling its obligations. 
These actions were solely done in exchange for the promotion and will not be provided for free. 
I demand the credit union pay what was confirmed by a legally binding confirmation provided to me by the credit union.

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 2024-08-27 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from 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 2024-08-27 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
A family member XXXX XXXX transferred {$5000.00} cash into my PayPal account for living expenses, but PayPal charged a {$150.00} fee and then placed a hold on {$2800.00} without any explanation. This hold prevented me from paying my utility bills, which resulted in a shutoff notice. When I reached out to PayPal about this issue, my inquiry was forwarded to another department ( XXXX ), who responded with a rude and unprofessional email that didnt address my concerns. It was clear that they hadnt thoroughly reviewed my account, as the only negative transactions were refunds I initiated for testing software products as part of my job as a mystery shopper. I have a one-year guarantee from the developers to return products if they dont meet my expectations, which is completely within my rights. There is no fraud or misrepresentation on my account. PayPal 's assumption and subsequent hold on my funds caused unnecessary delays in my payments and late fees, which I find unjustifiable. There have been no fraudulent attempts on my account, and if PayPal had taken the time to communicate with me, they would have understood my situation better. Instead, they mistakenly believed the refunds were from customers, when in fact, they were all refunds to me, the account holder, for testing these products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-08-27 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: IL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was never late on this account. 
Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation