vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have many incorrect inquires on my credit report that i have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how theses things are being tied to my name but i have nothing to do with this for example BAG BORROW OR STEAL IN Miscellaneous Department and Variety Stores XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX Companies XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  Travel/Entertainment XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX 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 explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In early XXXX suntrust bank repossessed the truck when the payment was not behind. I lost work and filed complaint then but all i got was excuses. Then in XXXX I was informed by Suntrust that the loan was charged off on XX/XX/XXXX yet they accepted a payment on XX/XX/XXXX. I then made a XXXX payment to Suntrust and I was then informed they did not accept it nor did they send me notification that it was charged off. I then continued to make the payment in fear of having the truck repossessed AGAIN like they did when a payment was not yet due. Four complaints to your office in five years and nothing have you did. I spent four thosand dollars last year with tires a new front end brand new computer and bought a new engine waiting to go in the truck. But no title because of weak goverment AND A GREEDY BANK.

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 2021-05-13 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: TX

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have a PayPal account with a PayPal cash card attached to it. One of the functions is the " Top Up '' feature. When you make a purchase with your PayPal cash card and your PayPal balance does not have enough money to fund the transaction, PayPal will pay the merchant while the Top Up feature will automatically transfer funds from your linked bank account in {$10.00} increments to cover. I don't always double check to make sure PayPal has made the deduction. On XX/XX/XXXX I received an email that PayPal had " a technical processing issue '' and the transfers were not initiated. The email also said they would debiting our account " On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments '' however there were no attempts made. Then on XX/XX/XXXX, an unexpected transfer was made causing us a {$35.00} overdraft fee. Had they tried per the email or had we had a choice of when to pay them back for their mistake, there would be no issue. I can only imagine how many others may had been affected by this " technical processing issue ''. Unethical in my opinion. Here 's the email and thanks for your time. 

From : PayPal XXXX Date : XX/XX/XXXX at XXXX XXXX  MST To : XXXXXXXXXXX Subject : Payment processing errors for recent Top Up transactions Reply-To : XXXX PayPal Payment processing errors for recent Top Up transactions XXXXXXXXXXXXXX, Recently, you made multiple purchases using Automatic Top Up, but your linked bank account or debit card wasnt charged. This happened because PayPal experienced a technical processing issue from XX/XX/XXXX through XX/XX/XXXX. 

PayPal has paid the merchants on your behalf. On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments. The charge will be for the total amount of XXXX USD for the transactions using Automatic Top Up during the period noted above. 

Please make sure that you have funds in your linked bank account to cover the transaction amounts. You can find these transactions in your PayPal transaction history. 

For questions, please visit our Help Center, or get in touch by using the Contact Us link found on all Help pages. 

We apologize for the inconvenience, and we appreciate your continued business. 

Sincerely, PayPal Please do not reply to this email. We're unable to respond to questions sent to this address. For immediate answers to your questions, visit our help center by clicking " Help & Contact '' on any PayPal page. 

XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : NATIONAL CREDIT ADJUSTERS # XXXX To Whom it may concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this 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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.

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 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently got a letter from a collection agency called portfolio recovery associates Llc. They claim that I owe them a debt of {$600.00} from an account they bought from XXXX XXXX XXXX in XX/XX/2011. That they are willing to take less than the amount they said they are owed but because the debt is over the statute of limitations they cant report it to the credit agencies. That they might take me to court to press me for the money, but if I just wanted to be rid of them I could just pay them now. 
I dont recognize the debt and I get at least one phone call a day from them. When I block their number, they call again from a different number. Everyday for over a month and they wont stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Ive contacted Chase today because I wanted to reopen a checking account with them after what had happened last year admist COVID19. Last year, there was a bad/fradulent check deposited into my account and Chase decided to end their relationship with me permanently even after Ive explained to them that I was a victim of fraud. I was a very loyal customer and I really need to bank with Chase again, and I am hoping to ask for a reconsideration on my case because the incident was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records and closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
This accounts listed are Not related to any transactions done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went to a Chase branch to open an executive account with two checks greater than XXXX In XXXX of last year. While there, a nice lady helped me, and she insisted that I switch my account to a premier checking account and that all fees would be waived because of the balance. Well since then, I have nothing but serious headaches with Chase. I believe this was done in fraud to help boost their monthly metric or goals for new account conversions. Ive been getting billed each month a monthly fee of {$25.00} and Ive called Chase over a dozen times, I even made an appointment to visit the branch and speak with a manager and he advised me that he could waive a portion, and assured me that my account was merged correctly. During this conversation I was still on the line with a manager from customer service. I left feeling confident that my issue was resolved. Next month comes and I get another monthly fee, and the initial request for the previous fees were denied. This does not protect my rights as a consumer and I dont feel safe with Chase any longer. Im considering hiring a lawyer. People should have a peace of mind when banking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this 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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I received {$150.00} and {$50.00} from two family members through Cash App. I accept the fund and cash app stated that I would receive the fund to my personal account on Tuesday, XX/XX/2021 however I never received the {$200.00}. I called my bank and was told nothing is pending. I need my funds. Also, I called my family members and the funds have been disbursed on their end. I notified Cash app through my app because that is the only means of communication, which is unprofessional. Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
LoanCare seems to think they dont have to call me concerning the complaint, and they claim it is a duplicate complaint which it is. Complaint ID XXXX I am waiting on the phone to discuss the product and complaint at hand. It was securities fraud in XXXX as indicated in the PDF Uploads Ive provided to them. I have also contacted XXXX XXXX Fraud alert, and waiting on a reply from them as well. Tomorrow I will be reaching out to the FHFA concerning the fraud that was perpetrated on my family during the XXXX Scandal, and XXXX XXXX XXXX. The assignments to XXXX, and LoanCare playing the servicer for XXXX XXXX the investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am a victim of Identity Theft. On XX/XX/2020 I attempted to open an account with Chime. I was informed by the company that there was an account with my social security number already opened. I sent the requested documents to verify my identity along with a letter from the FTC informing them that by law I had a right to get the info that was used to open the fraudulent account. I have not heard from them. It's been well over a year. 


I do not know who opened the account. I did not authorize the account, therefore I don't have an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i am an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
XXXX is a debt collector attempting to collect an debt. They have purposely reported fraudulent information to the credit bureaus each time I ask for a factual dispute. 
XXXX recently reported to Equifax that for two years straight I was an 120 late every month on payments. This is a charged off account and it is reporting as open missing the original creditor and also reporting a past due amount each month. This is against the FCRA regulations. I have disputed with the credit bureaus and the furnisher and each time they continue to report information incorrectly and worse than before. Equifax is not doing a proper investigation into the existing problem. 










XXXX XXXX XXXX Equifax Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXXXXXX XXXX : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$5400.00} No. of Months ( terms ) : XXXX High Credit : {$5400.00} Credit Limit : {$0.00} Past Due : {$5400.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Collection account Account previously in dispute - now resolved by data furnisher Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation