vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On going problem with my debit card being hacked by a man by the name of XXXX XXXX XXXX who is hacking my computer and bank account. I have about 12 debit cards now from BOA that have had to be changed due to him ordering vitamins etc ... From BOA this was reported and reviewed by XXXX XXXX XXXX XXXX XXXX. 

I want all of the fraud reports that I have requested since 2019 till recently starting with the one for {$700.00} dollars I need to take him to court. I have requested this many times and haven't gotten anywhere. BOA needs to be responsive and recognize that this man is equivalent to a 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 2020-09-07 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: Riverwalk Financial Corporation
State: NJ

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached FTC Report, and Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I mailed XXXX letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of XXXX letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for Transunion to avoid redundancy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
The prior context for this complaint is complaint XXXX. Since having that refunded added to my account ( and their misrepresentation of events in their response to that complaint ), I closed the account by phone an XX/XX/XXXX with over {$3000.00} in credit. During that conversation they said I would be sent a check for the amount in credit. 

On XX/XX/XXXX, having still not received payment, I contacted them by phone, to which they claimed they had never processed any request to have the funds that I was in credit returned to me and stated they would do so. I told them if it was not received within 48 hours I would be filing additional complaints with you ( the CFPB ) as they are intentionally not providing monies owed to me.

We are now another two weeks after then, four weeks since the account was closed, and many months since the initial issue with refusal to charge back services not provided for flights cancelled. 

In short, American Express are not honoring their debts to customers. The account number in question is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed XXXX letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of XXXX letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for XXXX  to avoid redundancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I mailed MOV letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of MOV letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for XXXX to avoid redundancy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: CA

Complaint narrative:
Paypal online message exchange below indicates the issue : PayPal XXXX XXXX Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. 

If I can't help, I'll transfer your message to an agent. 

XXXX XXXX XXXX  Transfer message to agent PayPal XXXX XXXX Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. 

Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 

XXXX XXXX XXXX Yes PayPal XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 

XXXX XXXX XXXX Do not ever make changes to my account payment or opt me in for " other '' payment services such as XXXX XXXX You points which you did today in an e-mail I received. This is wrong. 

XXXX XXXX Hello! My name is XXXX and welcome to PayPal XXXX! I can see that you are contacting us because you do not want us to make changes in your account. I apologize for the inconvenience. I understand that you receive an email notifying that you can now use your XXXX Thank You points. Rest assure that there will be no changes that will be on your account and we do not do it without your authorization. The message you receive is simply to notify that you can use your XXXX point in making a purchase. 
Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX XXXX XXXX Thank you for your rapid response. I do not agree with it, and request Paypal not link into my account other payment methods. According to a review of my account today, an alternate payment methods on my linked XXXX credit card showed I could make payments with points using that credit card. Since the linked in option showed how many points I had with that credit card that could be used, unauthorized financial information was exchanged between XXXX and Paypal without my agreement. Your reply does not indicate Paypal will stop doing this, so I am taking additional action. Please reconsider what you are doing in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM DISPUTING THIS ACCOUNT AND I AM REQUESTING IMMEDIATE REMOVAL OFF THE THREE REPORTING CREDIT BUREAUS. THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE SUBMITTED A RECEIPT TO SHOW PROOF OFF ALL THE PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent in letters over 65 days ago to this bureau and they are disregarding a regular consumer dispute. They have caused me to have emotional stress due to their continued lack of response.

Company response to consumer: Closed with explanation