vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
someone stole my credit card and used it, it was a capital one credit card. Capital one took care of that immediately, but then on XX/XX/XXXX I got a capital one hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX  from XXXX  XXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX  account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
My bill about {$450.00} & due XX/XX/2033. I pay {$250.00} XX/XX/2023. I tell them my check doesn't come till XX/XX/XXXX. It's now XXXX XXXX my bill is {$450.00} now. There is a 10 day late fee of {$30.00} or 5 % charge. They keep hitting me with this major late fee charge. Which leaves me no choices but to borrow more to pay that off. Because my checks fall on the following week. I'm supposed to being paying {$250.00} twice a month so I can pay off loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
SouthWest Credit Systems partial Account # XXXX Was sent USPostal Certified Mail on XX/XX/2023 with no response to settling the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: GA

Complaint narrative:
I have mailed the credit reporting companies and the company ( Arkansas Child Support ) that is reporting to them. They always reply that the account is verified but havent provided me any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: GA

Complaint narrative:
I have mailed the credit reporting companies and the company ( Arkansas Child Support ) that is reporting to them. They always reply that the account is verified but havent provided me any proof

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 2023-06-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am trying to lift a freeze, but there has been some problems with me logging into my account. The website tells me to call Experian, but when I do, there is no way to actually get in touch with an agent. I have tried for over an hour using their website and it is literally impossible to talk to a 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 2023-06-02 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
Back in 2016 I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is XXXX, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because XXXX is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with Affirm and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as Affirm is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I want to dispute the bankruptcy reporting on my XXXX, TransUnion and XXXX credit reports in connection of a violation of the fair credit reporting act. Account : XXXX XXXX XXXX XXXX XXXX Please remove account immediately. account is reporting in error. 

15 U.S.C 1681 section 602A states that I have a right to privacy.. 

15 U.S.C also states that can not be furnished without my written consent Remove this account or provide my written consent to publish

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

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 2023-06-02 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: FL

Complaint narrative:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: IL

Complaint narrative:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

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 2023-06-02 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: IL

Complaint narrative:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX, XXXX inquired XXXX XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXXnquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 and XXXX, XXXX inquiries on XX/XX/2022. 


The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To my surprise when I went on to my PayPal account, I had a PayPal credit attached to it with a {$4700.00} credit limit. I reached out to PayPal credit and they told me my account is in good standing and ready to use. I tried sending funds to a family and friend. I tried to purchase an item both using paypal credit and it won't show up as a credit option. PayPal credit is set as my preferred payment option. I spoke to PayPal many many times and they aren't fixing it. They are giving me all kinds of excuses and resolutions but nothing works and they keep passing on to paypal credit Paypal credit says " all is good on their end and its a PayPal issue '' I have this money available to me but PayPal is not allowing me to use it. What's the point of giving me credit that I can't use. Its been two weeks now of back and forth with PayPal and no resolution. They keep telling me to use another form of payment. Why do I need to use another form of payment when they gave me PayPal credit, its now on my credit report that I have this credit open but they aren't allowing me the option to use it because they won't take responsibility for the glitch in the system. 

I did some research and this issue is happening with many PayPal consumers. They are all complaining about the same issue on the PayPal forum. 

I've been talking to them since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I paid for a purchase with XXXX in full the agreed amount on my Chase Freedom card. When I got the statement XXXX allowed United to charge an additional XXXX XXXX I disbursed this with XXXX and Chase and it was removed. After the trip the XXXX was put back on this time by XXXX. I called Chase and they said Im to write a letter and upload it. God put it in my mind that Chase is pocketing millions if not billions of these charges that are removed and put back on from consumers who didnt get the service or was charged more than the agreed amount at the time of purchase. When I wrote the letter the Chase app wouldnt allow me to upload the letter. Then I started to think how often this happens with Chase and their customers service, so I asked them where I could report my concern about this. They refused to provide the information! They told me I can report them to XXXX XXXX, that this is the government agency that overseas credit cards, when I called it is not, its XXXX Which led me to you. I dont owe the XXXX to Chase and I havent been able to upload the letter. It is unAmerican to allow big business to over step together against the tax payers like this. Chase, XXXX and United I cant fight, nor can I afford to give them an extra XXXX I do not owe. I paid in full the XXXX I did owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My phone and wallet were stolen from my purse at a work event on XX/XX/2023. I received an email this morning about a credit card applied for through XXXX XXXX which I did not apply for. The hard inquiry was placed on my credit report, and I did not apply for this line of credit. I am hoping to get this disputed as I am currently work laptop until I am able to get a replacement phone.

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 2023-06-02 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: CA

Complaint narrative:
I am trying to purchase a new house and I am unable to do so with the damages on my credit report. I have reached out to each credit bureau through certified mail and have yet to rectangles response. According to the 15 u.s.c 1681 there should not be any damages to my credit report. This is a deformation to my character.

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 2023-06-02 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: OH

Complaint narrative:
this is my SECOND WRITTEN REQUEST. The unverified items remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I bid on a piece of heavy machinery at an online auction XXXX and won. I provided my driver 's license number and wired {$26000.00} dollars on XX/XX/2023 to a Wells Fargo account under the name of XXXX XXXX XXXX XXXX XXXX I received an invoice and shipping information but never received equipment. At first the representative for XXXX XXXX answered the phone and made excuses for why it wasn't shipped. I asked for a refund, and he said it would be back in our account in 24 hours. Then he stopped responding. I never received a refund or the equipment. I immediately asked for a wire recall be done through my bank ( XXXX ). Wells Fargo originally said that our wire was received and called me because they thought it might be fraudulent. They told us the money was in the account and should be able to get it back. Then XXXX and myself neither one were able to get any info further from Wells Fargo. I still do not have the purchased equipment or the money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX, XXXX inquiries on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I opened my business account with Huntington Bank on the XX/XX/2022. 
I did it at the branch in XXXX, IL and applied a promotional code gives promising {$1000.00} credit for deposit {$20000.00} of new money in 30 days and hold it for 60 days. 
I met all the requirments on the XX/XX/XXXX, but unfortunately the bonus was not issued to me. I even deposit {$50000.00} to the account in XXXX to be safe. 
When I contacted the customer service, they couldn't explain why it was not issued and can not fix it. They asked me to come to the branch. 
When I came to the branch, they confirmed that I'm elligible for the bonus, collected my information, but never followed-up to me after a month.

Company response to consumer: Closed with monetary relief