vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-13 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: SC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am having problems with the way this creditor report transactions : I got a cash advance from my credit card ending in XXXX of {$300.00} at XXXX XXXX  on XX/XX/XXXX. 

I paid the cash advanced right away on XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Type : ACH Even though my payment was made after the cash advance from the ATM, the defendant fraudulently posted my payment before the cash advance was made. Thus by not crediting the cash advance in a timely manner according to the proper bookkeeping practice : " First in first out '' the defendant will be charging interest on a debt that was already paid. on XX/XX/XXXX. 

My XXXX payment to CapitalOne occurred latter than XX/XX/XXXX : See info : XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS : Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Type ACH

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have contacted XXXX as they have allowed someone to open not ONE but TWO accounts under my name and social and I have repeatedly told the last collection agency it was fraud and it was removed. As I never had an account with XXXX XXXX  bank and never authorized anyone to use my information. Now I have yet ANOTHER debt collector on my credit report attempting to collect the same stuff as this is a FRAUDULENT ACCOUNT. I should not have to deal with my credit and life being shot repeatedly by the same fraudulent account with different companies. This is unethical and very much illegal when its been KNOWN that this is FRAUDULENT. MIDLAND has been contacted and nobody has done anything and this is still on my report. REMOVE ME OUT YOIR SYSTEM AND OFF MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-13 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
I gave 3 loans that didn't fund or go out, and they never gave me my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC
State: VA

Complaint narrative:
On XXXX XXXX I went got a personal loan to pay off my car. Well on XXXX XXXX the check was cashed but Westlake said the check did not have proper documentation with it. So they had no where to apply the funds. On XXXX XXXX they came to repossess the car. Had already had the funds but did not apply the credits to my account. Well after calling and calling and then hanging up the phone. I got to speak with the lady that gave me the pay off amount. Again she stated the documents were incorrect and repossession was accurate. is not fair as a loyal customer to Westlake for years for them to take my money and want me to pay more. I feel Westlake owes me back for their mistake. I lost work for a few days and had to come up with extra money to get the car back after them cashing the check for the amount they said was owed. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Even though we submitted signed documentary proof that a former XXXX XXXX  client XXXX XXXX lied to PayPal and their bank that their credit card was " duplicate charged, '' thus initiating a fraudulent credit card charge back, as opposed to the truth which was that she was first refunded because XXXX would not release our money for many weeks thus delaying her emergency XXXX XXXX  required, before making a second charge on her own, PayPal is still refusing to release our {$5000.00} money, which is negatively affecting our ability to pay our employees, our office rent, insurance, and other day to day operations of our XXXX XXXX. 

Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
A popup blocked from XXXX that alarmed me that my computer was being hacked. I proceeded to call the number on the XXXX XXXX spoke to a XXXX representative he took control of my computer to check who was trying to hack my computer. It showed that a child XXXX site and other XXXX material as well was on my computer. He told me he had to track my computer to see who is hacking my computer that in the meantime call my bank to place a high alert on my account. So, I proceeded to call the toll-free number on the website. I called the bank number and told the bank representative to place my account on high alert. The bank representative told me that a XXXX XXXX dollars has been wired to XXXX at XXXX in the morning. He also told me that these hackers have my social security number as well. He proceeded to tell me that from his findings two banks in my area were involved with this transaction and an investigation within the bank had to be conducted. He proceeded to tell that my money in the bank should be placed encrypted I had to go to the bank and wire XXXX XXXX dollars to another bank address not to talk about it in the bank due to investigation so he gave me the address of another bank as to where to wire the money in the meantime he told me to take a picture of my driver 's license and text it to him to create an account to XXXX. He then instructed me to take XXXX XXXX dollars in cash go to the nearest XXXX XXXX and place the cash in XXXX. After I placed the money in the XXXX machine for some reason it did not feel right so I called the same toll-free number to my bank and explained what was being done. The bank representative told me I was being scammed she took a report over the phone and told me to go to the police to file a report, so I did that. These scammers have my social security number and license number how can I protect my SS and license. Please help me my identity is compromised. The bank told me they can not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
A week ago I made a purchase at XXXX XXXX  and shortly after was contacted and told that the online purchase would be cancelled due to the company not having drivers. The purchase was cancelled and upon cancellation I was told that the deposit will be available either the same day or the next business day. The next business day came and my money was not available so I called my bank Money Network ADP and they explained that my refund will pend for 7 business days or I could call XXXX  XXXX and have them write their company a letter head explaining that they refunded me my money. I called XXXX  XXXX and the XXXX agreed to write a letter, the XXXX was very baffled since the company issued the refund and never had this issue. I called my bank again and was told that they never received a letter head and that I will have to wait 7 business days which would be XX/XX/23 for my refund. Here we are on XX/XX/23 and Im being told that I have to wait once again. I went a week without money to commute and now Im behind on my kids daycare fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I got my debit card hacked and two transactions went through on XX/XX/2023, one of {$84.00} and the other {$84.00} for a total of {$160.00}. The vendor was a XXXX in Arizona. I am a Massachusetts resident. 

I let Bank of America know on XX/XX/2023 when I saw the pending transactions. They opened two claims XXXX and XXXX, both for the total of {$160.00}. 

Two packages from XXXX arrived at my house in XXXX and I let my parents know they were not ordered by me and asked them to hold onto them while this claim was being processed. But in XXXX my sister accidentally opened thinking they were ordered by me and found two screen protectors. 

The claim papers arrived at my house yesterday ( XX/XX/2023 ) saying the claim of {$160.00} was rejected because they claimed that the transactions were made by me or someone authorized to use my debit card and that I would be charged. 

I saw on the claim papers that the transactions were made by someone using my name, debit card number, and address ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX MA ). But they used a different email and phone number ( XXXX, XXXX ). The order ID was XXXX and the case number was XXXX. 

However, the claim papers showed the two transactions totaled {$84.00} for two screen protectors of {$39.00} plus a tax of {$2.00} for each. 

I understand I have to pay {$84.00} because those items arrived at my house and was opened. 

However, I do not know what the other {$84.00} charge is for and why its claim was rejected and will be charged to 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 2023-06-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit debt collectors. I stated I wanted confirmation of debt. This is to be wet signatures of all transactions not a bill statement. This is the definition. If you say I owe you money then prove your original creditor gave me a legal loan not a credit swap from my signature. If you provide me with that I will pay you in full with money of the United States. A bill is not a confirmation of debt. Also send me a copy that you can legally collect debt in state of florida. You keep on telling me the debt is confirmed. Fine. I keep on asking you by who, mailing address, email, phone number and title in company. It seems to me that you can not answer my question. I want to cancel this debt with a 1099C tax form. This is legal to do so. What is your companys problem. Who is your cfo? This is your demand letter if your company can not answer these questions you will be in court or arbitration as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-13 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: OH

Complaint narrative:
checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with Possible finance for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my XXXX consumer report. I have never done business with this company. I have never done business with XXXX XXXX  XXXX has a collection on my XXXX consumer report. I have never done business with this company. I have the following fraudulent inquiries on XXXX. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, BANK XXXXXXXX XXXX! This is not good faith Pursuant FCRA

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