vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: NC

Complaint narrative:
There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( Customer ) purchased merchandise from us and paid via PayPal. The Customer transaction ID is XXXX. In XX/XX/XXXX, Customer reported a problem with the merchandise and was instructed to rern the items for a refund. Inexplicably, Customer opened a chargeback with his credit card company. The chargeback caused Paypal to debit our account in the amount of the purchase- {$82.00}. We explained to Paypal that we'd gladly refund the Customer as soon as they return the merchandise, which to date has not been returned. On XX/XX/XXXX, Paypal closed the case, stating " we can not dispute this transaction any further ... ''. 
So now, were out the money AND the merchandise. 
We ask that PayPal refund the XXXX to our account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have 5 different unauthorized credit pulls. 
XXXX XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time XXXX XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls XXXX Amps/Route XXXX XXXX XXXX Every time XXXX called I was placed on hold and. 
Nobody picks the phone up. 
XXXX JPMCB XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
XXXX XXXX mortgage XXXX. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: NJ

Complaint narrative:
I have 5 different unauthorized credit pulls. 
1- XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3- XXXX XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
4- XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
5- Equifax mortgage See. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING A HARD TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: VA

Complaint narrative:
Hello, I have new information in regards to Equifax to follow federal law. I have sent multiple notices to Equifax making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: U.S. BANCORP
State: CA

Complaint narrative:
I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

US BANK - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is inaccurately reporting my credit score data. They are essentially throttling my score ( dropping over XXXX points ) in order to lower my credibility and ability to get a mortgage. My revolving debt has not increased past the 50 % mark, and I fully pay off my credit card every month. I am a veteran and a student and so I sometimes have to use my credit card. I have also paid off my car lease and other loans last year. They are claiming that I have to have an age length of 25 years to be credit worthy. Excuse me, but before I started using Experian my score was just fine. 

Also, my fellow comrades can vouch as they already have mortgages themselves using the VA Loan program. With my payment history I should be at least XXXX right now. I'm not sure who is behind this, but they are trying to slow me down big time. There's no way my score should be dropping that low within a span of 15 days, keep in mind this is 30 % utilization. It is a spike, but the drop should be miniscule, they are trying to ruin me. 


Living in XXXX is already hard, now imagine after all my hard work and learning that I can't get a mortgage once I start working because of a system put in place to slow down " certain '' users. I repeat again, I have many fellow veterans that have taken out a mortgage. Everyone 's financial situation is different, but my point is this is overkill. I'm not going to pay rent for the rest of my life sorry not sorry, especially after serving my country.

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 2022-01-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I have a total of XXXX inquires that I didn't authorize. I only had space for XXXX  one the first complaint so I'm filing a second complaint because there's on space for three at a time. 

1- XXXX XXXX XXXX XXXX2021 I contacted them but it only had options for. 
dealerships. I can't get through! 
2- XXXX XXXX  XXXX XXXX XXXX2021 I called them and they just place you on hold I was told to contact the credit agency 's and.

I did and they didn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: AR

Complaint narrative:
Ive sent several request to this company asking to validate the debt with no response. They continued to report to the bureaus. I would like for it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX, I recently moved back to XXXX XXXX but I use to live at XXXX XXXX XXXX, XXXX, XXXX XXXX. Just now I received a phone call from a gentleman who currently owns this address, where he observed via a remote video camera a person in the employment of Portfolio Recovery Associates ( a debt process server, confirmed by another neighbor who lived nearby ) trespassing on private land and attempting to break into his cabin. The man was watching him from his XXXX home at the time but the intruder was caught on tape. That tape as well as a report has been forwarded to the local XXXX police for trespassing on private property and for an attempted break in. He has told me that if this occurs again the intruder will be arrested and held for the local police. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whomever This May Concern, I was informed on XX/XX/XXXX by XXXX XXXX that someone tried to open a bank account in my name. The application was thankfully denied and said account closed on XX/XX/XXXX ( a few weeks later ). Not long afterwards on XX/XX/XXXX, I received mail from XXXX saying that someone tried to open a credit card account in my name. When I called both XXXX XXXX and XXXX, they said that these fraudulent attempts were by people in South Carolina. When I got my XXXX credit report, I got a notice saying that an unknown Texas phone number of ( XXXX ) XXXX tried to get an inquiry analysis on XX/XX/XXXX. I also saw an account review inquiry made in my name dating back to XX/XX/XXXX. Most suspicious of all is what I saw on my XXXX credit report. The debt collecting agency LVNV Funding ( also known as Resurgent Capital Services ) made the claim that I owe them {$120.00} on an unpaid XXXX  Internet bill. The last report of this was made on XX/XX/XXXX, coincidentally just a few days before I received the alert from XXXX. 

A quick XXXX search showed that LVNV is from XXXX, South Carolina, which gives me the reason to believe they are the ones responsible. Scammers from the southern US claiming to be debt collectors have harassed me about this for some time now, and not once have I leaked any personal information to them. Something tells me they have finally gotten a hold of my info somehow and have tried using it for their own use. I am deeply concerned about this and would like to know what I should do next. Thankfully no money was stolen from me, but I am very worried about my credit information being out in the wild, as well as potentially other information ( like my Social Security Number ). I have since gotten XXXX to put a freeze on my credit, and am in the process of getting credit freezes from XXXX and XXXX. 

If there are any further steps that need to be taken please let me know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: NC

Complaint narrative:
XX/XX/2022 To Experian : I have been requested to upload proof of Identification for you remove the Fraud Alert under my Credit Profile. 
Since your POS uploading service via your garbage website does not work, I will send in a complaint to get it done! 



Personal statement ( XXXX ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Is requested to be removed and deleted immediately! 

Thank you, -David

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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
we are trying for a couple of months now to get PHH Mortgage to pay our outstanding taxes, from out escrow account, due to their poor communication, its still not resolved, today we found critical information that can help but no response from them. 

XXXX We did our research with " XXXX  '' it turns out that " PHH Mortgage '' did provide wrong property address to XXXX for Tax records assistance, The address where your below tax payments was going to " XXXX XXXX XXXX  XXXX XXXX, NY XXXX '', instead to my property address is " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX '', XXXX We will file a complaint TODAY with the CFPB for this 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 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.

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 2022-01-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Send Capital One several FOIA request regarding this alleged debt, however no response. No documents were provided to me. No notice of Dispute to the credit bureau. XXXX to be specific. This is a clear violation of the FDCPA, FCRA by not follow both federal and state laws. 

Federal laws violation : 15 USC Code 1601 Congressional findings and declaration of purpose ( a ) ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. 

Federal laws violation : 15 USC 1681 e-Compliance procedures Federal laws violation : 15 USC 6802 Obligations with respect to disclosures of personal information. 
Federal laws violation : 15 USC 1681a- definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) ( ii ). 

I have the documents dates, Credit reports dates and certified mail XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My loan with Wells Fargo was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended Wells Fargo is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.

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 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputing these accounts with the three credit bureau XXXXothing as happen XXXX XXXX and Equifax have not acknowledged my claims after I've sent disputes as well as proof that these accounts do not belong to my person. Please removed these accounts as they fraudulent..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING A HARD TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT 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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. Second XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.

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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/2022, I received a good-bye letter from Freedom Mortgage informing that my loan servicing was being transferred to XXXX XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. As of this complaint, XX/XX/2022, I have not received a welcome letter from XXXX XXXX XXXX XXXX XXXX XXXX. It is my understanding that I should have 15 days notice from each company and this only gives me 5 days from Freedom & 0 days from XXXX. In addition, my loan with Freedom is in process of being paid off. I feel that is why my loan is being sold. They are doing this to cause confusion & make it difficult for the loan to be paid-off. I called Freedom on XX/XX/XXXX and spoke with XXXX, ID XXXX, and asked if my automatic payment that is set-up with Freedom would be automatically canceled or if I needed to cancel it. She was not confident in her answer when she told me that it would be canceled. Because she told me it will be canceled, Im expecting a payment not to be drafted on XX/XX/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