vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: NC

Complaint narrative:
My name is XXXX 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 2023-01-07 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: NC

Complaint narrative:
My name is XXXX 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 XXXX XXXX Code XXXX 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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-07 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: OH

Complaint narrative:
Greetings, this reporting agency has caused great harm to me the consumer. I never gave this reporting agency written instructions to access my consumer report. This agency is in violation of title 15 US Code 1681A ( 2 ) attached is copy of the title that this reporting agency violated.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : Complaint against PayPal Dear CFPB, I am writing to complain against PayPal for limiting my account and holding my funds without a valid reason. 

On XX/XX/, I received a notification that my PayPal account had been limited. PayPal claimed this was for security reasons, but did not provide any further information or explanation. I have attempted to contact PayPal to request more information and to have my account reinstated, but have not received a satisfactory response. 

I believe that PayPal has engaged in unfair and deceptive practices by limiting my account and holding my funds without a valid reason. I request that the CFPB investigate this matter and take appropriate action to help me retrieve my funds and reinstate my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
So I reached out to AMEX help Chat via my account on line to dispute a return fee on XX/XX/. The AGent was not very nice and pretty judgemental instead closed out the chat and locked my account. 

XX/XX/ scheduled a payment for {$50.00} and {$25.00} XXXX shows on XX/XX/ both {$50.00} and {$25.00} were paid out ( debited ) AMEX on XX/XX/ shows {$25.00} dollar was credit to AMEX account and shows a return fee of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

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. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
This is a formal complaint that I would like to request against XXXX Mortgage XXXX XXXX # XXXX Per our last communication on XX/XX/XXXX. I spoke to XXXX Mortgage XXXX to confirm that the additional paperwork at their request for my loan modification was received via Fax ( see attached ). I spoke to them regarding the current status of my loan modification. I was told that the paperwork was received and notified that the documents were still being reviewed for our loan Modification. 
Per the last email on the XXXX from Special Servicing Specialist it stated " If you are still in need of assistance, we are happy to help, just give us a call at XXXX or XXXX for more details or you can send in the mortgage assistance application to reapply. There is a foreclosure sale date of XX/XX/XXXX so we need a full package as soon as possible ''. 
Unequivocally at no time during our last phone call ( XX/XX/XXXX at XXXXXXXX XXXX  ) nor leading up to XX/XX/XXXX, myself, nor any member of my household was notified via phone, in person or registered mail that the house would be still placed on auction on XX/XX/XXXX. It was on XX/XX/XXXX, that my wife was contacted by a third party that stated that our home had been sold to a third party. We then contacted our Veterans Affairs GuarantoXXXX advocate office in XXXXXXXX XXXX The XXXX XXXX XXXX XXXX were unaware that XXXX Mortgage XXXX XXXX # XXXX had been in communication with us. XXXX Mortgage XXXX did not notify the XXXX Affairs XXXX that we had submitted documents for a loan modification during the same time as the sale of the home was nearing and began to proceed with the sale. 

We would like to request this to be investigated thoroughly and fairly. The process that was taken by XXXX Mortgage XXXX XXXX # XXXX is a display of unethical business practices and also displays XXXX XXXX in the highest regards. Please see attachments as additional details to support our statements of continued communication with XXXX Mortgage XXXX # XXXX in regard to our Loan Modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have been paying back my medical bills and noticed they are putting charges for my relatives on my account. They have put charges on my account for both of my siblings and I have contacted them four times over this by phone and over their customer support. Two times I never got responses back and the other two times I was told they would look at the case with a supervisor. This has been happening over several months and it is still not corrected and they keep contacting me for repayment of these depts that are not mine.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On XX/XX/21 XXXX XXXX reported to ChexSystems that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

On XX/XX/21 XXXX XXXX Bank reported to ChexSystems that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX XXXX XXXX 

Per CFPB regulations Im demanding that ChexSystems removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/21 XXXX XXXX  reported to XXXX that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

On XX/XX/21 Charter One Bank reported to XXXX that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX XXXX XXXX 

Per CFPB regulations Im demanding that XXXX removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
XXXX ) MONTGOMERY WARDXXXX XXXX... XX/XX/XXXX... XXXX : {$310.00} XXXX ) GINNY'S/ XXXX... XX/XX/XXXX... XXXX : {$200.00} XXXX ) MONROE & MAINXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : {$100.00} XXXX ) XXXX XXXX OPENED... XX/XX/XXXX... XXXX : {$420.00} XXXX ) ASHRO/ OPENED... XX/XX/XXXX... XXXX : {$290.00} THESE ACCOUNTS WERE NOT MINE. I AM WORKING WITH FEDERAL TRADE COMMISSION, XXXX, XXXX, XXXX, AND XXXX. PLEASE SEND ME THE ORIGINAL COTRACT OF THESE ACCUNTS OTHERWISE PLEASE REMOVE THESE ACCOUNTS FROM ALL ( XXXX ) XXXX OF MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR OVER 20 YEARS. I AM XXXX XXXX XXXX, AND SOMEONE HAS KEPT ME FROM EVER HAVING ANYTHING. I WAS HAVING MY XXXX XXXX AT THE TIME OF THIS UNFORTUNATE WAS HAPPENING TO ME. I HAVE NOT APPLIED FOR ANY CREDIT WITH NO COMPANY SINCE FRIDAY ... XX/XX/XXXX. I HAVE NOT APPLIED FOR ANYTHING. I MUST GET HELP ABOUT MY ACCUNT. I HAVE BEEN IN EVERY BREECH THERE IS KNOW TO MAN. LIKE XXXX. I HAVE LOST SOOOOOO MUCH. I HAVE NEVER EVER BEEN ALBE TO DO ANYTHING WITH MY LIFE DO TO THIS. I AM A WIDOW 3 TIMES AND I AM OUT HERE BY MYSELF WHICH IS OK IF MY NAME AND SOCIAL WAS NOT USED FRAUDULENTLY. PLEASE HELP ME... THIS HAS BEEN GOING ON OVER HALF MY LIFE. ALSO CAN YOU CHECK TO SEE ... .WHY XXXX XXXX  NEVER REPORT MY MONTHLY PAYMENT TO THEM SINCE I HAD MY CAR ON FRIDAY ... XX/XX/XXXX. MY SCORE WOULD BE PERFECT IF THEY WOULD HAVE BEEN REPORTING MY PAYMENTS FOR OVER 5 YEARS NOW. AND YOU KNOW... ..IF I HAVE NOT BEEN PAYING ON THIS VECHILE FOR 5 YEARS NOW ... .THEY WOULD HAVE BEEN REPOSSED THE CAR. IT'S LIKE I CAME IN THIS WORLD TO HELP OTHERS, THAT IS WHY I BECAME A XXXX, TO HELP OTHERS. BUT LOOK WHAT IS HAPPENING AND WHAT'S BEEN HAPPENING TO ME OVER HALF MY LIFE. I AM A STRONG WOMAN BUT THIS HAS BEEN GOING ON SOOOOOOO LONG NOW, I DON'T THINK I HAVE ANY MORE STRENGHT TO KEEP GOING THROUGH THIS. I MUST FOCUS ON MY NEW LIFE THAT GOD HAS GIVEN ME. PLUS I'M GETTING READY TO GIVE MY SON A XXXX. PLEASE KEEP US IN YOUR PRAYERS AND WE WILL DO THE SAME. PLEASE FIX THIS ... THANK YOU GOD BLESS STAY SAFE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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