vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: UT

Complaint narrative:
On XX/XX/year> I attempted to send a payment to a family or friend and received a transaction declined message. I reached out to Venmo through their chat option and spoke with a live agent. They informed me this was due to systematic fraud detection systems and would just need to wait for the system to allow me to make transactions. 
On XX/XX/year> I attempted to do another transaction to a family member and again and received a transaction declined message. Again I had reached out to Venmo through their chat option and was again told it was due to fraud system rules and there was nothing I could do but wait for it to clear. I requested an escalation, I was informed there was no way to escalate, nor there is nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
The company provided this information and it was wrong. When I followed up, they said that's all the information they have and refused to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing to report inaccuracies in my credit report that I discovered after an in-depth investigation. These inaccuracies are significantly affecting my credit score and causing me considerable stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: I.C. System, Inc.
State: NC

Complaint narrative:
There is no legally admissible evidence to verify the accuracy of what IC SYSTEMS {$990.00} are is reporting, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by IC SYSTEMS, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the IC SYSTEMS fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application w/ IC SYSTEMS and proof this is a credit transaction w/ IC SYSTEMS ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. IC SYSTEMS accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe these accounts do not belong to me and in my previous complaint, I wanted this account be deleted. However, no further steps were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion credit reporting agency block information appearing on my consumer credit report as it is the result of identity theft and fraud. I request this be done within 4 business days of receiving this complaint. The fraudulent and inaccurate information includes the following accounts : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 2. A credit card account opened at XXXX XXXX through XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 3. A credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 4. Another account was opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries along with a copy of my FICO credit report, which clearly shows the fraudulent items in question. I do not recognize any of these accounts, collections, or hard inquiries as being initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. In support of my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint ( Case NumbersXXXX, XXXX, XXXX ) as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are indeed the result of identity theft and fraud.

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 2024-10-18 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: FL

Complaint narrative:
My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to report inaccuracies in my credit report that I discovered after an in-depth investigation. These inaccuracies are significantly affecting my credit score and causing me considerable stress.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My XXXX credit card was closed as of yesterday. I received a letter stating they pulled a trans union report and my score had dropped from the XXXX to XXXX and I now have multiple delinquencies and late payments. When I called to question this, I was told it would have to be resolved with trans union and given no other option to have my account re-opened or pull the credit report again. I called trans union. They are mailing me a letter with my credit report as they could not give me a number over the phone, but they were able to tell me that what lowes sent me about my credit report is not correct. I was instructed to call them back. I called XXXX again and was not offered any resolution. Only after I complained did I get an option of filing a dispute, but was told now that the card is closed they would not be able to open it back up even if I am correct about their error. I do not believe a dispute was filed as the rep on the phone did not give me any opportunity to answer any type of questions to file it.

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 2024-10-18 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: CA

Complaint narrative:
All transactions and charges on this account are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. This has been really stressful, it's negatively affecting my overall well being

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( c ) and XXXX XXXX. XXXX. 

Unauthorized Inquiries : XXXX XXXX XXXX. XXXX ( c ), a consumer reporting agency XXXX only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

XXXX Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> XXXX. XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year>XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my XXXX XXXX and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

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 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've submitted multiple letters to XXXX regarding XXXX accounts. These XXXX accounts in particular are not all on XXXX and XXXX. In fact XXXX refuses to remove accounts that they say are quote on quote verified. I asked for their method of verification none was given. A violation. I've also received stall letters and sued XXXX in court. I may sue again if this matter isnt deleted. 

XXXX. Jpmcb- XXXX {$850.00} XX/XX/XXXX XXXX. Jpmcb-XXXX {$840.00} XX/XX/XXXX XXXX. Jpmcb-XXXX {$870.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX this account is showing a late payment. XXXX is not reporting any late payments. Please have them prove the late payment by showing a copy of their bank statement. That would show exaclty when the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
I had been getting harassed about a medical debt that I was supposed to owe. The harassment went on for at least 2 years or more over these charges to XXXX XXXX XXXX. I repeatedly explained that my health insurance XXXX XXXX, pays the full amount of cost for my medical supplies, food and protein packets, gauges and syringes, as I am XXXX dependent for the remainder of my life due to XXXX diagnosis 5 years ago. I am XXXXXXXX XXXX but unfortunately was left with the XXXX of not being able to eat through my month. The medical food and supplies are my lifeline and are needed daily. I became very irritated with XXXX XXXX harassment as they had been told before XXXX that my medical supplies and food were covered. The next thing I know, XXXX had sent the {$200.00} bill to collections to the company name State Collection Service , Inc. at that point I just felt helpless and a tremendous amount of stress which led to me paying the debt. I just dont understand why this situation continued. I called XXXX again and complained about the harassment. XXXX then contacted XXXX about the situation. 
Quote this is what XXXX said to XXXX and they even called me and apologized for the error and promised to return my funds back to me and clear the damage on my credit report in which none of this was done. I am furious, stressed and saddened but the situation and would like to sue for pain and suffering and damages. Please assist in looking further into this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I revoked authorization and canceled Auto pay and my account was still charged after I was ensured that I wouldnt be charged automatically moving forward. I did a dispute with Wells Fargo due to the company not responding or providing a resolution and Wells Fargo denied my claim. Due to me not authorizing anything coming out of my account I feel that this denial is invalid.

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 2024-10-18 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief