vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, After carefully reviewing my credit report, I cant understand why all this unauthorized inquires & unknown account that are reporting on my credit report. Please remove all and delete. 
XXXX XXXX INQURIY DATE : XXXX XXXX XXXX XXXX ACCOUNT # XXXX-DELETE NAMES : XXXX XXXX I DO NOT GO BY - DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I dont know which company name XXXX XXXX and XXXX Net Credit This company post some debt on my credit report and I did not own any money with those company. I try to contact them but no one can explain to me where is the account come? They just tell me to pay it, but I have never do any business with those company. Please help me investigate this matter! Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the EQUIFAX Data Breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and that I emailed Equifax and Equifax has done nothing. Please help me delete these illegal accounts/inquiries from my consumer credit report, permanently. I also ask that Equifax please correct all inaccurate information. 

NOTE : PER 15 USC 1681i ALL INACCURATE INFORMATION MUST BE REMOVED PERMANENTLY BECAUSE I, XXXX XXXX, THE CONSUMER AM ALERTING EQUIFAX OF THE INACCURACIES ON MY CONSUMER REPORT AND THAT ALL OTHER : ADDRESSES ARE NONMAILABLE, BIRTHDAYS ARE INACCURATE, PHONE NUMBERS ARE INACCURATE AND CAN NOT BE USED TO CONTACT ME, NAMES ARE INACCURATE AND ALL EMPLOYERS LISTED ON MY EQUIFAX CONSUMER REPORT ARE FRAUDULENT. ( I emailed the correct information to Equifax. ) The Following Hard Inquiries Are Fraudulent and Must Be Removed Permanently : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity was stolen because of the EQUIFAX Data Breach. The Equifax Data Breach has caused me needless suffering and great harm. I have not been able to live a healthy and happy life due to EQUIFAXs ' gross negligence. I need relief immediately. I need to be compensated immediately for {$1000.00} dollars for all inaccurate accounts, inquiry, and inaccurate information disputed and removed and {$7500.00} for the actual damages of mental anguish, pain, suffering, homelessness, XXXX, fear, and XXXX delivered to my address by Equifax within the next 14 days. I also need Equifax to deliver my settlement check to my address within the next 30 days. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three XXXX, XXXX, and Experian are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Same reporting on my credit. Nobody owns sold debt.15.US Code 1692 ( e ), 1692 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: PA

Complaint narrative:
I opened my discover credit card in XXXX of XXXX and was making on time monthly payments for almost a year straight then in XXXX of XXXX the reason I missed the first payments on my account was due to a medical emergency I was hit by a car in XXXX of XXXX and I was out of work for XXXX weeks due to my XXXX and XXXXXXXX and financially it was one of the worst times of my life as a single mother I feel behind on everything. In XXXX of XXXX my client who I had been doing XXXX for almost 2 years passed away. I became XXXX in XXXX of XXXX and was unable to find a job I just had my XXXX in XXXX of XXXX. The first month after my injury was financially the most difficult time of my life and this is when I missed that single payment. I wish I could of kept up with my end but I feel behind on everything and Im just now catching up but this on my record for the future of me is going to stop me from a lot of things I financially take responsibility but I ask that you please give my account a good well credit. Your taking me to court for XXXX and I just had a XXXX for the last 2 years I was in employed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  ( XX/XX/XXXX ) Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX ( XX/XX/XXXX ), Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX ), Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : 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 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I made an insurance payment of {$130.00} for my auto insurance. Everything appeared okay with this until I received an email from Bank of America stating that on XX/XX/XXXX I did not have enough money in my account ending in XXXX to cover my transaction. The following is a copy and paste exactly as the email read. 

Your account may have insufficient funds On XX/XX/2023, you didn't have enough money in your XXXX XXXX XXXX account ending in XXXX to cover your transaction ( s ). 
Balance after transaction ( s ) and fees : {$180.00} Transaction type ELECTRONIC PAYMENT Amount {$130.00} Transaction paid? No Fee {$0.00} Check your balance. If it's negative, make a deposit right away to bring it above {$0.00} and have enough money to cover upcoming transactions. 

There was {$180.00} in my account and the payment was for {$130.00}. This makes no sense to me but as I was logged into my Bank of America account and speaking to the rep over the phone telling her the payment had NOT been returned I watched the screen change and suddenly the check showed up as returned. I have no clue why they did this but the rep tried to explain that the posting I was seeing was not the way it really was. It was some other way and she tried to tell me where I could go in my account to see the way my transactions REALLY posted. I have no clue what she is talking about but the view I was looking at is the same one I have always relied on to check my bank account. I am sending you a copy of the email they sent me and a copy of my bank statement exactly like it is online. I do not see a problem at all with the way I did things and was not charged a fee. I'm sure I know why now. I just want to make you aware that Bank of America is doing something that is not right here and I would like you to look into it for me. They have been in trouble before for rearranging transactions to generate overdrafts and this is similar to that type of business. If this is what they are doing I do not want to do business with them any longer. Please look into this for me. Thank 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 2024-01-01 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is regarding my credit card issued by Goldman Sachs for Apple. 

I have an installment plan for an XXXX I purchased to be paid over 12 months. So far XXXX is paid and remaining balance is XXXX. On top of installment balance, I will be making purchases and am making statement balance payments either fully or keep some balance for next month depending on the situation, in which chase I pay some interest. 

Last month I received a refund of XXXX from a vendor, which resulted in a positive balance of XXXX after covering my purchases thus far other than installment balance. Goldman Sachs refuses to give me that money as refund. When I called, the answer I got was that since I got some balance ( installment balance of XXXX ), they are saying they don't want to refund my money. They will keep it and pay towards future purchases. 

Please help me get my refund, as Apple is not trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Transfer to XXXX XXXX for XXXX on XX/XX/29. He represented himself to be from Chime. 

Transfer to XXXX for XXXX on XX/XX/29. He represented himself from XXXX to assure me he could free my account that had been hacked. 

Transfer ti XXXX for XXXX on XX/XX/29 for the same reason as above concerning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. ALL OF THE CLOSED ACCOUNTS BOFA XXXX WERE SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. MY ATTORNEYS AND I HAVE BEEN TO COURT XXXX TIMES AND THE CLOSED ACCOUNTS ARE STILL NOT REMOVED FROM MY CREDIT REPORT. ALSO THE ACCOUNTS ARE OVER 7 YEARS OLD AND NEED TO BE REMOVED FROM MY CREDIT REPORT. PLEASE HELP ME OUT WITH THIS. THANK YOU VERY MUCH. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my credit report and and realized it was some unauthorized inquiries on my credit report in which I would like removed Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I had submitted for an electronic payment to be processed on XX/XX/ for {$1100.00}. I learned on XX/XX/ that they reversed the payment with reason " payment stopped. '' They charged me {$40.00} to the account. I requested reason why and they said they would have to investigate. The funds were in the bank account and I did not stop the payment. Again on XX/XX/ I submitted for the {$1100.00} payment to be processed. On XX/XX/ they reversed the payment as " Payment Stopped '' and again charged the account another {$40.00} payment reversal fee. I did not stop this payment and the funds are in the checking account. My bank account information is correct on their system. 

I have been a good customer for many years with this account. I do not know what is going on with their system why this continues to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. ALL OF THE CLOSED ACCOUNTS XXXX JPMORGAN WERE SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. MY ATTORNEYS AND I HAVE BEEN TO COURT XXXX TIMES AND THE CLOSED ACCOUNTS ARE STILL NOT REMOVED FROM MY CREDIT REPORT. ALSO THE ACCOUNTS ARE OVER 7 YEARS OLD AND NEED TO BE REMOVED FROM MY CREDIT REPORT. PLEASE HELP ME OUT WITH THIS. THANK YOU VERY MUCH. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The company is portfolio recovery and have called repeatedly about a debt outside the statute of limations. It went into collection in 2009.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, After carefully reviewing my credit report, I cant understand why this account below is reporting on my credit report which is inaccurate reporting. Please remove all and delete. 

- XXXX XXXX XXXX Account # XXXX Balance $ XXXX DELETE AND REMOVE FROM MY 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 explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top XXXX credit reporting agencies ( Transunion, XXXX, and XXXX ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. Transunion, XXXX and XXXX has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the XXXX credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top 3 credit reporting agencies ( XXXX, Equifax, and XXXX ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. XXXX, Equifax and XXXX has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the XXXX credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.

Company response to consumer: Closed with explanation