vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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: NY

Complaint narrative:
Im a victim of identity theft, I have gone through all the proper channels and notified all the proper authorities regarding this. Bank accounts and auto loans have been taken out in my name without my knowledge or authorization. Credit cards applications have been submitted in my name resulting in numerous of hard inquiries on my credit reports. Ive tried disputing these issues with Equifax Ive sent letters and filed disputes online multiple times regarding the auto loan they keep reporting but they give little to no response all they say is verified then when I ask for information pertaining to their investigation that the law states Im entitled to I get completely ignored. They have not provided the correspondence of the people they spoke to during their so called investigation. Ive asked for the names and addresses and the phone numbers of the people they spoke to Ive asked for any documents pertaining to the auto loan, all I get is verified .On top of that issue multiple inquiries were done on equifax credit report Ive called and sent letters with the FTC reports I filed also the police report complaint number from the police report I did to dispute those inquiries and their response was inquiries are factual. If Im a victim of identity theft how are the inquiries fact. They are incompetent and dumber then a bag of rocks with a response like that, just recently more inquiries were done on my equifax credit report. I called the police again and did another FTC report and when I notified them they gave me the same response inquiries are fact. It was then that I made up my mind and just do what my attorney has been clamoring to do since they supposedly verified the auto loan. My attorney is getting the necessary paperwork to file a lawsuit against equifax in a court of competent jurisdiction. Im filing this complaint because I want the United States government and its citizens to know that equifax has shown its incompetence with that data breach they had and they are law breakers who have no respect for consumers of the United States and this is a company trusted with the data on millions of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TN

Complaint narrative:
Hi, PayPal close my account and they don't want me get back. 
I do not made any fraud or chargeback activity in my account. 
I check my account and everything was ok. 
is more than 180 days, no dispute, no chargeback, my account is in good standing. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I deposited {$500.00} into my PayPal account, and a couple days later, PayPal blocked all transactions on my account, and told me they were closing my account because they suspect fraud. I asked a PayPal represent active if I could be given an opportunity to prove no fraud had been used with my account and they said no, the account is scheduled to be closed and a refund of available funds will be mailed to me in 180 days. 

PayPal refused to allow me to access my {$500.00} for 180 days and is closing my account without providing me details of why that decision was made, and refused to give me an opportunity to keep my account open. 

I was also charged {$10.00} which was an unauthorized transaction which I disputed and my dispute was not appropriate handled, leaving me with a balance of {$480.00}. 

PayPal has engaged in harmful, reckless, unfair, and discriminative behavior when handling my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
I turned in my Infiniti auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this Infiniti Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from Infiniti or the Infiniti dealer suggesting otherwise.

It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from Nissan- Infinti LT that would support this phantom fee of {$760.00}.

What exactly is the fee for?

Documents or photos that may support whatever Nissan-Infiniti claims this fee is for?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
Amerifinancial Solutions representing XXXX XXXX emergency med has me down for a medical collection in the amount of {$710.00} from XX/XX/2016. Since I have never received any services or have been nowhere within 200 miles of said business this is a fraudulent charge. I feel this is extortion. I have impeccable credit but I refuse to pay for something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NJ

Complaint narrative:
I noticed two accounts that are not mine and invalid from XXXX for {$3100.00} & another one from XXXX for {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i was told that i have a loan for a car and i do not own a car so there shouldnt be a loan under my social at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2020, an unauthorized, fraudulent check for {$1900.00} was deposited into my Comerica checking account, by another person without my knowledge or consent in violation of California Penal Code Section 476a, and 18 USC 1344. 

I filed Police Report # XXXX, with the XXXX Police Department in XXXX XXXX, CA, and provided evidence of fraud being used by the other person, I also reported it to Comerica within a timely manner as soon I noticed my account being negative. 

The Comerica Representative investigating my claim of Fraud has improperly determined that I am liable to pay the bank back for the other person committing fraud without my consent, knowledge or authorization. That decision was made in violation of the EFTA, 15 USC 1693g, and other consumer Federal Fraud protection statutes and regulations. I asked a Comerica Representative what fraud protections do they offer and was told they will investigate. I was not provided any explanation of the investigation nor any instructions on how to dispute the liability of another person 's fraud. 

Now Comerica has reported to Chexsystems and debt collection I owe the bank {$1300.00} but the other person accessed my username and password for investment purposes. As a person who makes stock investments, it is common for online investors to provide username and password info to investment institutions and personnel. I have provided that info to other institutions for investment purposes and they didn't deposit a fraudulent check, but one person did without my authorization, so I should not be liable for criminal act of another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: MI

Complaint narrative:
I turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXXXXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?

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 2021-05-15 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: MI

Complaint narrative:
I turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?

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 2021-05-15 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: GA

Complaint narrative:
XXXX XXXX, XXXX being the supervisor, the player for a White XXXX Reporting organization in collaboration with Equifax is attempting to put their White XXXX knees on the back of my XXXX XXXX XXXX XXXX XXXX, but as a XXXX for XXXX justice, I Fight Back! Im a XXXX & Veteran! Now I ask this White XXXX organization XXXX XXXX to RELEASE a copy of my Tri-merge that was ran on XX/XX/2021, XXXX of XXXX Mortgage Company is the Lender. XXXX XXXX removed my XXXX account number XXXX Paid XXXX Mortgage, WOW can you believe a XXXX man PAID off a Mortgage buddie Roll, this is funny! XXXX XXXX, get my XXXX Mortgage loan back on my Credit Report, get me a XXXX  COPY of my Tri-merge, Hey XXXX XXXX I told you and Equifax that you folks are going to make me a Millionaire! Attached is a copy of my Drivers license, also my Settlement sheet showing that Ive PAID OFF my Mortgage, Equifax you XXXX XXXX XXXX are Not in charge of me, in Federal court I make you talk, and the Consumer Financial Protection Bureau is going to be my Star Witness, also attached is my latest Winnings, the Georgia Lottery, XXXX Life is Good! Hey XXXX XXXX XXXX Equifax, XXXX and XXXX you do know Ive got the Money to Pay off these Charge Offs! Hey XXXX XXXX get my XXXX addresses correct XXXX and the spelling of my name, attached is my Georgia Driver license : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Equifax and XXXX, playing with my name, addresses and accounts hasnt STOP my Consumer POWER as a Powetful XXXX Consumer Leader, Im Winning baby! Oh and XXXX XXXX, that Chimes account better get updated, oh and that XXXX XXXX account, purge this bull, XXXX XXXX, XXXX remove this XXXX LOL, this funny, XXXX XXXX  account, purge, XXXX purge, Ive got a copy of this letter whereby I made each TradeLine agree to purge each TradeLines, but XXXX XXXX Hey XXXX the testimony of the Consumer Financial Protection Bureau is going to make me a Millionaire WOW $ $ $ . Hey Consumer Financial Protection Bureau this is a Mortgage loan in process, timing is very important for me as a XXXX Mortgage applicant, WOW, Im Winning, the testimony of HUD is going to Powerful. See if I hadnt been a XXXX XXXX XXXX, XXXX XXXX XXXX player in the Financial game and investigated the FCRA, the Fair Credit Reporting act & the Fair Credit Billing act, XXXX I would be taken advantage by ALL White XXXX organizations, both State & Federal. See what Im doing is for other XXXX Consumers that dont know how to XXXX Fight Back and dont know how expose White XXXX and get PAID. Its time to take this Money for XXXX & ignorant White XXXX by each Reporting Agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have a new hard judgement on my credit report after receiving this from Midland Credit Management. Even after paying XXXX XXXX. They even reached out to me during my Grandmothers funeral. Which I had told the same person before. They said they wouldnt contact me, now I have a hard mark on my credit report. Even after attempting to pay. They use their influence to harass and depress even more during a pandemic and my Grandmothers death. 

Per your current request, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. This communication is from a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. Experian not only refused to provide the requested information but continue reporting unverified information on 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 2021-05-15 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: CT

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
We are small business owners and we shop weekly at Sam 's Club. On XX/XX/XXXX, we were approached by a Sam 's Club employee at checkout who asked if we wanted to " save {$30.00} today '' and " earn 5 % cash back on all purchases. '' We were provided a flyer to review the Sam 's Club Business Mastercard benefits by the Sam 's Club employee. We agreed that we wanted to apply for the Sam 's Club Business MasterCard. Our application was processed on the spot and we were informed that we were approved for a $ XXXX credit limit. We state that the 5 % cashback would be helpful and the employee agreed. The Sam 's Club employee then processed our purchases made on XX/XX/XXXX to the card and applied a {$30.00} credit to our bill leaving a charge to the card of {$250.00}. The bill for this new card arrived a week later. The balance was {$300.00}. Upon review, we noted the bill from Synchrony Bank indicated we had a Sam 's Club Business Credit Card, not the Sam 's Club Business MasterCard that we requested. My wife immediately called Synchrony Bank on XX/XX/XXXX and spoke to agent in Ohio named XXXX, Operator # XXXX on XX/XX/XXXX. XXXX told her that we qualified only for the " business credit card, '' and not the " business mastercard. '' We were not told this at Sam 's. Wife told XXXX that the Sam 's Club employee had misrepresented this and asked operator to close the account and provided bank information to pay the bill ( {$300.00} ). Wife then contacted Sam 's Club to complain. The employee I spoke to said they see many angry customers daily who come to customer service to complain about this same issue. The employee was uncomfortable with this apparent bait and switch tactic. My wife also spoke to a manager at Sam 's Club who apologized but tried to excuse the misrepresentation that occurred. Manager said she too applied but did not qualify for the Sam 's Club Business MasterCard at first, but that if we waited about 6 months, Synchrony might invite us to get the Business MasterCard at that time. This is a betrayal of the trust we had in Sam 's and Synchrony Bank is complicit in this predatory and fraudulent activity.

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 2021-05-15 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: PA

Complaint narrative:
As a review of my account there are a few accounts that are not mine Two from XXXX XXXX and 3 From XXXX XXXX {$480.00}, {$590.00}, {$350.00} And one from XXXX XXXX for {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with TransUnion, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or TransUnion.

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 2021-05-15 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: PA

Complaint narrative:
As a review of my account there are a few accounts that are not mine Two from XXXX XXXX and 3 From XXXX XXXX {$480.00}, {$590.00}, {$350.00} And one from XXXX XXXX for {$490.00}

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