vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UPGRADE, INC.
State: MO

Complaint narrative:
My card had the incorrect address on it. When I would call the company to dispute charges I did not make on the card they would tell me they could not verify my account to help me because the address was out of california, and I live in missouri and have never lived in california. I finally got someone to help and they said they saw that I had closed the card and put a lock on the account in XXXX. There are charges from XXXX on the account from XXXX. Also, they will not take my new bank account information because they dont recognize my bank in their system. Therefore, I can not verify account, I can not make payment on the account, and there are two late payments being reported on the account that are not correct. This account is a mess and I can not get any assistance from customer service. One woman I talked to was extremely aggressive and insisted that even though I was able to verify my phone number, my real address, my social security number and birthdate, she would still not discuss or help me with my account because of the incorrect address and because I did not call from my own phone number that they have on file. This has been a nightmare. Also, I have given them permission for my wife to talk to them because I am frequently out of town. They refuse to add my wife to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I loaned a friend money for a mortgage and he paid through XXXX which was tied to my Venmo account. He paid {$4000.00} in total and I tried to transfer the money to my bank account. Venmo froze my account and have permanently deactivated it for violating their user agreement without reason and are holding on to the funds for up to 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Attempted to close a zero balance credit card with the company via the customer service phone number on XX/XX/2022. As of today, the card was NEVER closed and still shows available credit online. The incompetent phone representative even claimed " no '' when I asked if the closed account will report to the credit reporting agencies as account closed by consumer. The call lasted for 18 minutes, and the useless representative could not provide an answer as to why the account will not be closed and updated with the credit reporting agencies.

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 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I walked into a Chase Bank XXXX XXXX XXXX XXXX. to an ATM and attempted to withdraw {$1900.00}. The machine made fluttering noises etc. but never ejected the money. I let one of the bank representatives know and he printed me a receipt with information to file a formal claim. I called the same day and the representative let me know the matter would be investigated and if valid the money would be reimbursed immediately. The following day on the XXXX I received a deposit of {$1900.00} for the claim and assumed the claim was granted valid. 
A month later on XX/XX/XXXX the claim was reversed and the {$1900.00} were garnished. I called once more to inquire as to why, and the claim was refiled. Days later i received a notice stating the claim was again denied! 
I called the same XXXX  number 'Chase claims Department XXXX to appeal but they stated that I'd have to speak to the 3rd party company in charge of the ATM machines as they were who denied the claim. I called the number several times in attempt to speak to someone, twice of which i was hung up on as apparently, 'they weren't able to hear me '. The 3rd time i called, after hours of waiting, i spoke to someone and they stated i was denied the claim as the investigation proved it was an invalid claim and legers from the ATM showed the money was withdrawn. I then called again and spoke to someone in Chase 's claims dep. again to no avail. 
The matter has caused me many inconveniences and i have no way of proving my innocence as i never received the money from the ATM but have no access to cameras, ATM deposit and withdrawal ledgers etc. to prove anything. I'm afraid the overdrawn amount this has caused will eventually go to collections and cause more inconveniences. I'm being forced to pay money that was mine and was essentially stolen. Please help. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09 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: Self Financial Inc.
State: TX

Complaint narrative:
This account is still showing open when its supposed to be a closed account. If Self is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The debt was brought to my attention XX/XX/XXXX when I received notification from the credit bureau. Someone purchased items in my name on credit and made payments from a fraud account in my name. This account XXXX XXXX was unfairly place in my credit file. I have no knowledge of the debt. My identity was stolen and used several times before to open and pay various accounts. I have frozen my credit file before in 2017 and have stopped fraudulent activity on my bank account by changing by card number and adding alert to all my accounts. There is no proof that this is my debt other than my name being falsely attached to it. 
I was apart of several data breaches with, XXXX, XXXX, and 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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
please delete these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am attempting to temporarily lift a freeze on my Equifax report. I logged in through their web site and it says the request can not be completed. Try again later. This has happened multiple times. I tried to use their phone system and I spent time going through their phone system and I got to the a message that the request could not be completed. This is an ongoing problem with Equifax. I had no problem with lifting the freeze with XXXX and XXXX XXXX. Equifax 's system is broken and they gave me no way to contact a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have an old credit card debt from 10+ years ago. They harass me by called several times per day everyday. I do not answer I get letter explaining that nothing at this point is being sent to a credit reporting agency and they will not seek legal actions. 
They just continue to harass me on a daily basis. 
Portfolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TX

Complaint narrative:
This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My card had the incorrect address on it. When I would call the company to dispute charges I did not make on the card they would tell me they could not verify my account to help me because the address was out of california, and I live in missouri and have never lived in california. I finally got someone to help and they said they saw that I had closed the card and put a lock on the account in XXXX. There are charges from XXXX on the account from XXXX. Also, they will not take my new bank account information because they dont recognize my bank in their system. Therefore, I can not verify account, I can not make payment on the account, and there are two late payments being reported on the account that are not correct. This account is a mess and I can not get any assistance from customer service. One woman I talked to was extremely aggressive and insisted that even though I was able to verify my phone number, my real address, my social security number and birthdate, she would still not discuss or help me with my account because of the incorrect address and because I did not call from my own phone number that they have on file. This has been a nightmare. Also, I have given them permission for my wife to talk to them because I am frequently out of town. They refuse to add my wife to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email with a PayPal logo at the top. It stated that a charge of {$710.00} has been submitted successfully to XXXX XXXX via my PayPal account. Advised me to call Customer Support at ( XXXX ) XXXX for any questions. I did this and spoke to a person identified as XXXX XXXX. He said the charge was made in XXXX XXXX and the money was sent to XXXX XXXX in XXXX. He advised me to download apps from XXXX and XXXX to my XXXX.Theresfter I received an email from XXXX saying the charge would be reversed. I am XXXX XXXX XXXX and believe this was a scam ( Identity Theft ). 
I have cancelled my PayPal account and frozen my XXXX XXXX. I don't know what else to do. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
please delete these unauthorized inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX 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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
please delete these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number:XXXX  Account NumberXXXX Account NumberXXXX According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : Consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, 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:
According to the Fair Credit Reporting Act XXXX  XXXX- acct # XXXX XXXX XXXX  XXXX acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXXt-acct # XXXX XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not authorize these inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-09 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: DC

Complaint narrative:
On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The two accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax, the CFPB can not locate or contact the company ( DEPT. OF HUMAN SERVI ) that Equifax furnished to my consumer report fraudulently. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation