vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and I noticed that some hard inquiries on my credit report that do not have permissive purpose according to the Fair Credit Report Act anything on my credit report that does not have permissive purpose must be deleted according to the 15 USC 1681 B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type Individual

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: MD

Complaint narrative:
This is the second credit reporting issue I have had with upgrade. The first one was, Upgrade reported me XXXX  days late when in fact I was not, I was in a hardship program with them. That was corrected on XX/XX/XXXX. Now I received an alert that the loan amount balance is {$90000.00} and the original loan amount was XXXX. This is the second reporting error less than a month which has affected my score XXXX. This is a stressful situation, and something needs to be done about this. I have attached my actual original loan document. In addition Upgrade does not even offer XXXX personal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX stated they do not have a credit file for me. All information reported should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have for 28 years been a customer of Wells Fargo Mortgage. I have paid since then every month. The issue is I filed Bankruptcy in XXXX. My Attorney was to reaffirm with my mortgage company but he did not reaffirm the house. So, I have NO credit on my account as positive. I contacted Wells Fargo, and they said once the Bankruptcy is finalized it can no longer be reaffirmed with their company. I have contacted them and the attorney several times. Both decided to not address this issue. The attorney is XXXX XXXX, Michigan XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX MI XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. Account XXXX, This has been almost 7 years where my credit has not been recorded. I think it is not fair that I have to hire another attorney to fight this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
There is a debt owed with a company I never had any business with, I sent a debt validation letter, still no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, for a shower glass door. I made the first payment with a credit card ( {$870.00}, half of the agreed amount ), and I received the glass. Right after the door was installed, I received an email from XXXX ( did not notice the difference until later - 'an extra 's ' at the end ) asking for the remaining balance. The email also included my previous conversation with XXXX XXXX. I agreed to make an ACH payment, and I received an email with the following information : Chase Bank Account holder : XXXX XXXX XXXX. 
Routing # XXXX Account # XXXX Two weeks after the payment was made, I received a call from XXXX XXXX saying that their email was hacked and that the payment had not been credited to their account. I called Chase Bank, but I was told that the payment could not be reversed because the reverse period expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: CO

Complaint narrative:
I want to close my Paypal account because I getting unsolicited requests for payment. I'm unable to do so using their website. Called Paypal customer service and they sais they were unable to do so since there is a " limitation '' on my account. I asked to talk to a supervisor and was placed on hold and eventually hung up. My complaint is simple. I want my Paypal account closed and a check issue and sent to be for the positive balance. Paypal wouldn't do this for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XX/XX/year>, I received a notification that my credit score had decreased by more than XXXX points. When I looked into it, the only possible explanation was that XXXX had reported several Department of Education XXXX loan accounts closed, and that I had missed XXXX payments on those loans. 

Under Department of Education rules, loan servicers are not supposed to report missing payments or other information that could negatively affect a borrower 's credit during the special " on-ramp '' period that lasts until XX/XX/year>. More info here : XXXX XXXX XXXX Additionally, the communications I received from XXXX were inaccurate, and emotionally distressing. Around the same time I received alerts to my credit report, I saw that I had messages in my inbox on the XXXX site. I had more than XXXX messages with the subject line " Congratulations! Your loans are paid in full. '' In the message was a congratulatory letter that said my balance was now {$0.00}, and my loans were paid off. 

For a moment, I thought my loans were paid. I had begun my application for public service loan forgiveness, and it's hard to keep up with all the changes to the loan program. It was only when I logged into the XXXX website that I learned I had a new loan servicer, XXXX. I never received any email or message from XXXX, the Department of Ed, or my new servicer, that my loans had been transferred. If I hadn't investigated further, I could have easily taken XXXX at their word and defaulted on my loans. Not to mention, sending people a letter that their loans are paid off, when they're just being transferred is incredibly cruel, especially when there is so much confusion right now around loan forgiveness.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XX/XX/year>, I received a notification that my credit score had decreased by more than XXXX points. When I looked into it, the only possible explanation was that XXXX had reported several Department of Education XXXX loan accounts closed, and that I had missed XXXX payments on those loans. 

Under Department of Education rules, loan servicers are not supposed to report missing payments or other information that could negatively affect a borrower 's credit during the special " on-ramp '' period that lasts until XX/XX/year>. More info here : XXXX XXXX XXXX Additionally, the communications I received from XXXX were inaccurate, and emotionally distressing. Around the same time I received alerts to my credit report, I saw that I had messages in my inbox on the XXXX site. I had more than XXXX messages with the subject line " Congratulations! Your loans are paid in full. '' In the message was a congratulatory letter that said my balance was now {$0.00}, and my loans were paid off. 

For a moment, I thought my loans were paid. I had begun my application for public service loan forgiveness, and it's hard to keep up with all the changes to the loan program. It was only when I logged into the XXXX website that I learned I had a new loan servicer, XXXX. I never received any email or message from XXXX, the Department of Ed, or my new servicer, that my loans had been transferred. If I hadn't investigated further, I could have easily taken XXXX at their word and defaulted on my loans. Not to mention, sending people a letter that their loans are paid off, when they're just being transferred is incredibly cruel, especially when there is so much confusion right now around loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This debt is from XXXX and has been settled and time to collect has passed. I settled this account years ago and now being harassed by collection agencies. Its now XXXX and do not owe this debt.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates L.L.C is NOT licensed to do ANY business in my State of Michigan. Therefore they are conducting business ILLEGALLY. especially across states lines which is also FRAUD.

And after 5 separate requests they STILL have NOT sent me the ORIGINAL agreement with my ORIGNAL signature on it which is required by FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Credit Card blocked my account due to a fraud algorithm. However, all the attempted purchases were made by me. I have not received a text message or an email from Discover to verify that I authorized the attempted transactions. Upon calling them, the representatives demand the code from my phone number. They say that they can not use this phone number and that I have to wait for 24-48 hours. It has been two weeks and they still can not get access to my account since this is the only verification method they have. This is not only frustrating but unfair for the customer. Most likely this issue is due to the fact that I changed my phone number a while ago. This is an unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED MY XXXX XXXX ACCOUNT BEING REPORTED INACCURATELY. THERE IS NO DEFICIENCEY BALANCE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REFLECTING ANY REPOSESSION STATUS AT ALL. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF THE FCRA : I have the right to privacy and this information is being reported without my written consent which is in violation of 15 USC 1681B.

Furnishing information pertaining to my transactions is in violation of 15 USC 1681A ( I ) But most importantly, your company has the responsibility of reporting maximum accuracy to my credit profile and not doing so is in violation of 15 USC 1681E ( B ) I'VE CONTACTED EACH BUREAU VIA CERTIFIED MAIL REQUESTING VERIFICATION OF THIS INFORMATION, AND INDEED ITS UNVERFIABLE.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-17 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
On XXXX XXXX XXXX, I pulled my credit file and notice Equifax Mortgage Service has pulled a hard inquiry on my credit file. I have not applied for any mortgage, I am not sure where this pull came from. On XXXX XXXX XXXX I called Equifax and they stated they don't see a hard inquiry however, the inquiry is visible on their site XXXX Equifax is failing to complete a full investigation on how this hard inquiry appeared on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
On XXXX, XXXX, I had a XXXX XXXX in XXXX, CA and visited XXXX XXXX. It's been 7 years already and I do not even remember the exact dates now. XXXX from Cedars Business group called me and asked me to pay {$2700.00} medical debt. I asked her to provide me with the documents related to debt. The documents which I have received refer to a medical bill from XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX group and they told me that they already waived my debt and their is {$0.00} on my billing since XX/XX/XXXX. 
This collection agency Cedars Business Services has put {$2700.00} on my XXXX XXXX and reported to credit bureaus and ruined my credit score in XXXX. They have unscrupulous business practices, XXXX gave me a date of XXXX XX/XX/XXXX for visiting XXXX XXXX XXXX but I have never been to XXXX XXXX XXXX in XXXX. Well, If I do not owe any kind of bill who gave right to Cedars Business services to ruin my credit? If original creditor told me that their is no bill and it's already waived off to {$0.00} in XXXX, who gave right to Cedars Business Service to charge me for a waived off bill after XXXX years. This is violation of fair credit rights and justice should be served by taking actions against Cedars Business Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
My identity was stolen.Someone used my identity to open up a phone two phones and took out a student loan for a private school for XXXX XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
My identity was stolen.Someone used my identity to open up a phone two phones and took out a student loan for a private school for XXXX XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC
State: FL

Complaint narrative:
My identity was stolen.Someone used my identity to open up a phone two phones and took out a student loan for a private school for XXXX XXXX dollars

Company response to consumer: Closed with explanation