vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
I have disputed the errors in my credit report by sending detailed supports because they can not eliminate the incorrect information and they automatically respond that it is correct and verified. more than 1 year occurring

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 2023-05-17 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: NY

Complaint narrative:
I am writing this letter in regards to the Capital One # XXXX on my credit file. I am requesting a copy of the original agreement and original contract from the creditor with my signature that shows that I agreed to the terms and agreement provided by Capital One for the account above. This is not a request for a debt validation letter, but a copy of the original agreement that was signed when this account was created. If there is no legal contract binding me to any terms and agreements set forth by Capital One for # XXXX and if you can not furnish an original agreement, please permanently remove this account from my XXXX credit file as there is no proof that legally I signed an agreement with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I went to the Chase ATM at XXXX XXXX XXXX and withdrew {$60.00}. As I walked away about XXXX I received a text message from Chase asking if I attempted t take {$400.00} out on. my card ending in. XXXX. I replied " NO '' and was send a new card. I then on XX/XX/XXXX called and formally. altered t this fact bc I had not seen the reversal. I filed the complaint. On. XX/XX/XXXX Chase determined that. my claim. was false and that they have determined in their investigation. that bc it was a tap withdrawal and I had my card-I was the one that. took it out. This is NOT the case and I explained this to chase and they. refuse to accept the screen shot from XX/XX/XXXX @ XXXX when I stated I was a victim of fraud. 

As per the news search chase has had MANY of its customers a victim of these scams where our chip/bluetooth signal is compromised and money is stolen from accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: SC

Complaint narrative:
I am asking kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. JPMCB CARD SERVICES on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED XXXX XXXX AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. XXXX XXXX SERVICES on XXXX XXXX 2. AMERICAN EXPRESS on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED XXXX XXXX AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Ive had an account with Wells Fargo with my savings and things have not been going right with receiving payments as to being given fees for something I dont even know what theyre doing on my XXXX XXXX either.

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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
I am willing to pay the month of XXXX due but not XXXX. I called them XXXX week of XXXX and complained that the service was not good when I was watching superbowl and wanted to cancel and ask for refund. The signal on my big screen kept circling and circling. I called again sometime XXXX and wanted to check why its still not cancelled and asked how much I owe for XXXX. Finally the subscription was cancelled sometime XXXX and they are billing me for both months. These people and company are trying to rip off people so they can get more money from their customers. I dont want to pay for XXXX and only 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 2023-05-17 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: TX

Complaint narrative:
Please remove the accounts XXXX XXXX XXXX XXXX-XXXX  from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my Experian and XXXX credit report. XXXX has removed this account. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.

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 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I inquired about a personal loan through moneylion. And that's all it was was an inquiry I never received any money from them and now it shows that all my credit report that I received {$1000.00} from them and now it says I still owe them {$220.00}. This company never gave me {$1000.00} or loan me {$1000.00} I never got {$1000.00} from this company in any way shape or form

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX card acct # XXXX and my Chase credit card acct # XXXX XXXX has violated my rights. And also my Chase credit card # 15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 : It is also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end of consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a new account after seeing multiple advertisements of {$400.00} bonus for opening a new account and making {$1000.00} in direct deposit. 

The offer said that I had 90 days to meet the requirements of the bonus offer and even offered a negative balance buffer ( advertisement attached ). They misled me into making the transactions I made with their advertisements and then took the bonus opportunity away by checking my account for eligibility at the exact time it was fit for them to not give me the bonus. All while promising 90 days to meet all eligibility criteria. 

I completed the required activities but the bank denied my bonus by checking the account for bonus eligibility on the day it was not ready. The bank has provided bonus to accounts of my friends when they didn't have any balance for the first few days but later did - the same situation as mine but the checks on the account happened on a different day. 

The bank 's customer service representative XXXX himself agreed with me on the chat that I should have had 90 days to complete the requirements for the bonus ( chat attached ).

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 2023-05-17 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: MD

Complaint narrative:
I submitted a dispute to Experian, XXXX and XXXX for an account that I was not familiar with. The account name is XXXX XXXX XXXX XXXX, and the amount is {$730.00}. XXXX completed their investigation and removed the account. XXXX and Experian completed their investigation and advised the information was accurate. I spoke with XXXX over the phone and the representative stated that their investigation was concluded by the creditor XXXX XXXX XXXX XXXX XXXX ) who actually sent the account to them to place on my credit report, not by XXXX or a third party. I spoke to the creditor, and they could not give me any information regarding the account, other than it was sent to them by another company, and they would only accept payment. This seems to be a conflict of interest. XXXX was not able to find evidence that I had an account with XXXX XXXX XXXX. I also disputed an account with XXXX Collections for {$200.00} that was on my credit report as a charge off, but it was paid with the original company. I did not have any business with XXXX Collections. All three bureaus completed their investigation process and Experian removed this account as it was not accurate. The remaining two bureaus updated the account as paid. None of the three bureaus have the same information. Neither of the above accounts should be on my credit report. I have attached the copy of the two disputes that were updated as mentioned.

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 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Our XXXX  XXXX XXXX XXXX XXXX ( VIN : XXXX ) got totaled due to a crash on XXXX. Our insurance company, XXXX XXXX made numerous requests to Toyota Financial Services to obtain the payoff with no results. We had to be involved too, to send letters and emails to Toyota Financial Services requesting the pay off. Due to unreasonable and deliberate delay by Toyota Financial Services, we had to make our monthly payment in amount of {$730.00}, as the due date of each monthly payment was by the second of each month. Finally, Toyota Financial Services decided to provide the LOG/ pay off on XXXX providing incorrect amount claiming that they have to charge the amount since the date of the accident, although confirmed that they have already received the payment from us on XXXX. Our current unpaid balance at this time is {$33000.00}. Their letter of guarantee states {$33000.00}. My balance right after the crash was {$33000.00}. Up to date they are unable to explain where this {$630.00} discrepancy comes from, as this is not even my monthly payment. We already informed Toyota Financial Services via facsimile and email and phone that they are in violation of California Code, Civil Code - XXXX XXXX. Claim number with Toyota Financial is XXXX. We hereby ask that you conduct an investigation against Toyota Financial Services for inappropriate and fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete the following information in 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 Federal Trade Commissions 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 explanation
Consumer complaint received 2023-05-17 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: WA

Complaint narrative:
PayPal. 

Starting approx XX/XX/2023, the Paypal accounts linked to : XXXX XXXX Have lost most of their functionality and I am mostly unable to access and use these accounts as intended. 

Typically, the account will time out and become inaccessible. Sometimes I can log in and use the account, other times when I log in, the account will function briefly and then begin to time out. 

I have dozens of calls to Paypal customer service and also emails to, XXXX. 

A typical email looks like this, _____________________________ XXXX, Would you PLEASE have someone repair my technical issues? 
I ( and others, this is a Known Issue ) are unable to open or navigate to or within, Website, Paypal.com paypal.com/mts My accounts are usually unaccessible, XXXX XXXX Symptoms, Paypal times out either : 1. On login, account times out or if I can login 2. On dashboard, account times out, or if i get to the dashboard 3. I time out Devises affected 3 XXXX style PCs all on diddrent networks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None are able to log in or if they do, move from screen to screen w/o timing out during the screen change to the next page Browsers, XXXX XXXX Other, I can access ANY other website. 

In closing, This fault is on the Paypal side. Account access is sporadic or impossible. 
When will this known issue be fixed? 
___________________________ Thank you for registering my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NC

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I received in the mail a letter from Online Information Services dated XX/XX/23 in regards to an outstanding debt in the amount of {$840.00} due to XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. Upon calling the debt collection agency Online Information Services, I was informed that this account is associated with an address in Texas. I do not own any properties in Texas, nor have I ever been there. Given that I live in XXXX PA and have never heard of XXXX XXXX XXXX, the representative I spoke with noted that this was likely a case of fraud and directed me to file a claim through the FTC 's identity theft website. I will also be following up with XXXX XXXX XXXX to dispute the fraudulent outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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