vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-11 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: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I had a hard inquiry on my XXXX Credit Report which I did not authorize by XXXX ( Comenity XXXX XXXX XXXX ) on XXXX XXXX, XXXX XXXX a little over two years ago ). I disputed it at the time with XXXX letting them know I did not authorize this but they failed to remove it. One week before it was to naturally fall off my credit report at the mandatory two year mark, the same company XXXX XXXX pulled another hard inquiry without my permission on XXXX XXXX, XXXX. I called XXXX to investigate and they told me to write a letter to them and ask for it to be removed because it was not authorized and gave me the address to mail the request to. I wrote a letter to both XXXX Credit and also to XXXX saying this was unauthorized and it could be fraud by someone trying to take out credit in my name and asked for an investigation into the matter and mailed both letters on the same day. A letter came back to me from XXXX Credit on XXXX XXXX, XXXX which said " We are unable to remove this inquiry. If you feel this is a fraudulent inquiry you will need to contact XXXX  and initiate a dispute with them. '' I KNOW it is fraudulent activity because I put in writing that it was n't done by me, I already told them it was fraud. So this is either fraud by XXXX Credit or a scam artist pretending to be me. Since I also asked for an investigation as a dispute with XXXX and yet XXXX put in their letter that they had n't heard from XXXX regarding a dispute, this means XXXX, did not contact XXXX Credit to see if this was a legit inquiry. XXXX ignored my dispute and did not open an investigation into this matter and the unauthorized dispute remains. I Googled this problem tonight ( Unauthorized hard inquiries by XXXX on XXXX  and found countless hundreds of other people who have the very same complaint about an unauthorized hard inquiry on their report. This is obviously something they are doing illegally and it needs to be stopped. I took all of my money out of my XXXX account and will never log into their site again, they ca n't be trusted. I suspect it is them pulling the unauthorized inquiries since it happened two years ago the same way vs it being a scam artist, but with the recent XXXX breach of privacy it is something which is particularly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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:
Concerning my XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ),  Experian is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein the XX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXX payment is reported as NOT past due ). Experian is in violation of state and federal law in doing so. I demand that Experian delete the XX/XX/XXXX payment regarding XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is inconsistently is adversely impacting my credit score.

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 2017-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX i attempted to use my paypal credit account to pay for a subscription to the online tutor service XXXX.
Paypal neglected to disclose that some merchants, including course hero, may accept paypal, but not paypal credit.
Subsequently, i was charged XXXX to my paypal account. Had I been aware that XXXX did not accept Paypal credit, I would never have made this purchase. I called Paypal seeking rectification and / or dispute on three occasions throughout XX/XX/XXXX. Each time I was put on hold for upwards of 15 minutes before reaching anyone, each time I was " assisted '' by an individual who spoke too quickly or barely understood English at all, and in the third attempt I was placed on hold " while the agent looked into reversing the charge '', whereupon I was unceremoniously hung up on by said agent.
I have sent emails to paypal through their customer service section no less than six times. The first was a formal dispute of the charge, which paypal refused with no explanation other than " your request does not fit our description of a dispute ''.
The remaining 5 were increasingly-angrily-phrased demands for them to take responsibility for their failings, and ultimately to terminate my account with no further moneys taken from me.
Paypal 's responses to me consisted of an automated " we will contact you in 24 hours '' email ( which they have yet to follow up on three days later ), and a mailed notice stating I had been turned over to a collection agency.
Paypal also committed a violation of the truth in lending act when they decided to forgo completing a purchase I attempted through my Paypal credit account in favor of charging late fees and finance fees to my account. I attempted a purchase when there was more than enough available funds on the account, XXXX XX/XX/XXXX ; Paypal did n't even bother processing it, seeming content to twiddle their proverbial thumbs and then slap XXXX of fees onto my account on XX/XX/XXXX, which they then proceeded to refuse to reverse despite admitting fault for mishandling my transaction.
All attempts at remediation and / or contact with paypal have failed ; their phone systems are a robot-ridden maze of uselessness and their email systems are laughably automated. It 's a wonder anyone has ever gotten through to them at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11 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:
Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Equifax is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein theXX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXXpayment is reported as NOT past due ). Equifax is in violation of state and federal law in doing so. I demand that Equifax delete the XX/XX/XXXX payment regarding XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX ) 2 times is inconsistently is adversely impacting my credit score.
Equifax has also leaked information concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX ) in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2017 they gave a credit back for XXXX because it was reported as fraud and now they are telling me they want to take that money back!!

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 2017-11-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and XXXX, I noticed a negative remark on my credit report from Chase Card. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another Chase credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different Chase credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. Chase 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or Chase? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? Chase? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked Chase is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : Equifax, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report.
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile.
Inquiries : XXXX XXXX  XX/XX/15 Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Thank You XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11 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: IL

Complaint narrative:
After checking my credit report from all three credit bureaus ; Trans Union, XXXX and XXXX, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.

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 2017-11-11 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: IL

Complaint narrative:
After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and Experian, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.

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 2017-11-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Equifax has denied minorities the right to a fair credit report. Equifax has denied me the right to a fair credit report. I have submitted a copy of a police report to Equifax. Equifax has been aware of the security breach allowing our personal information to be stolen. Now even with knowledge of the security breach allowing and my police report proving that my Identity has been stolen and someone was arrested for stealing my Identity from Nd and in the state of SC. Equifax has treated me unfairly. I have decided to file a discrimination lawsuit against Equifax if they do n't allow me a fair credit report. I have no outstanding hospital bills. I am on XXXX It is against the law to bill someone who has XXXX out of pocket expenses unless it 's a co pay. Equifax does n't care about the consumers! They 're not a fair reporting bureau. Equifax needs to immediately remove these FRAUDULENT UNAUTHORIZED ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS THAT I HAVE ADVISED THEM THAT ARE FRAUDULENT. I HAVE ALSO SENT IN A STATEMENT FROM THE SLED ENFORCEMENT AGENCY THAT THEY 'VE DISREGARDED! I DO N'T KNOW WHO SIDE EQUIFAX IS ON. IT SEEMS AS IF EQUIFAX WANTS CERTAIN PEOPLE TO BE DOWN. FRAUD IS FRAUD! YOU CA N'T PICK AND CHOOSE WHO TO HELP AND NOT TO! A POLICE REPORT AND SLED STATEMENT CA N'T LIE! I AM A HOMELESS MOTHER OF XXXX. THIS YOUNG LADY HAS TOOKEN MY LIFE AWAY FROM MY SELF AND MY KIDS. I AM FROM HOUSE TO HOUSE TO SHELTER. ALL BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS BEING REPORTED THAT EQUIFAX REFUSES TO REMOVE. THIS IS MY SECOND TO LAST RESORT. THE POLICE DEPARTMENT WHO IS HELPING ME AND MY XXXX KIDS TOLD ME TO FILE A LAWSUIT AGAINST EQUIFAX FOR NOT ALLOWING ME TO HAVE A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! I 'VE ALWAYS PAID ANYTHING THAT I HAVE ON TIME. IT 'S HARD BEING A MOTHER OF XXXX TELLING THEM THAT WE 'D BE OKAY WHEN I 'M BEING DENIED A RIGHT TO A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! EQUIFAX HAS HUNG UP ON ME NUMEROUS TIMES AND LIED SAYING THEY WOULD REMOVE THE FRAUDULENT WITHIN 24 TO 48 HOURS. DAYS LATER THEY 'D STILL BE ON MY CREDIT REPORT. EQUIFAX TELLS ME ANYTHING TO GET ME OFF THE PHONE! WHEN I ASKED FOR A SUPERVISOR THEY 'D REFUSE SOMETIMES EVEN HANG UP. THEY 'VE BEEN VERY UNPROFESSIONAL. I 'M SURE NOT EVERYONE GETS THE TREATMENT THAT A YOUNG XXXX XXXX HOMELESS MOTHER DOES! MY FATHER XXXX AND I LOST HIS HOUSE BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS AND INFORMATION BEING REPORTED ON MY CREDIT REPORT. EQUIFAX IS THE REASON THAT MY KIDS AND I ARE HOMELESS! PLEASE HELP ME STOP EQUIFAX FROM DEFRAUDING THE PEOPLE AND LET EVERYONE HAVE A FAIR CREDIT REPORT WITH ONLY THEIR INFORMATION BEING REPORTED ON THEIR CREDIT REPORT! MY KIDS AND I DESERVE BETTER! EQUIFAX HAS FAILED US!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CH.XXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that Equifax uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that Equifax, XXXX, and XXXX file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court, that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you

Company response to consumer: Closed with explanation