vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
For the last 8 months I have had constant issues with XXXX merging my credit file with someone else. I spend about 2 hours a day on the phone disputing items. Yesterday XX/XX/2023 I called XXXX to dispute inquires on my credit report that were fraudulent and to ask them about my credit score. So an hr after the dispute request I received and email stating my dispute results were ready. When I logged into my XXXX Credit Report XXXX added {$89000.00} of fraudulent debt to my report. XXXX different names, XXXX new address which were in various states throughout the United States and XXXX new inquiries. XXXX destroyed my credit. I now no longer qualify to purchase a home. I have suffered severe XXXX  and XXXX  because of these constant issues. Now Im being told that it can take 30 days for an investigation. I called this morning XX/XX/2023 to make sure all items were being disputed correctly and was transferred to the specialized department. A man who kept talking over me stated that I needed to send in my social security card, drivers license and proof of address. I explained to him that I did. He didnt want to listen. I told him if he checked his system he would see I uploaded my documents weeks ago and sent documents via certified mail. I was placed on hold then I was told that their system has a conflict in social security numbers and names and that at this point the social security administration would have to provide something showing my social security number was issued to me along with the same documents my ID, social security card and proof of address. So now Im being told I cant dispute anything off my credit and no one can help me. I am mentally tired I spend a minimum of 1-2 hrs almost everyday trying to correct my credit with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I wrote a check from my checking account with PNC Bank to pay an energy bill XXXX & XXXX XXXX XXXX amount of {$310.00} dated XX/XX/2023. The check was stolen in the mail and deposited in a fraudulent account in the amount of {$3100.00} and taken out of my account. The bank assured me they would refund me the {$3100.00} because it was clearing handwritten out on the check as XXXX XXXX XXXX and XXXX/XXXX PNC Bank insured me the transaction of refunding the money would take no more 120 days. 

After not receiving the money I went to bank each month, spoke with several managers and filed XXXX affidavits which have been notarized the last one XX/XX/2023. At this point I have exhausted all avenues to try to get this resolved. 

The police report was filed on XX/XX/2023 and the police have found the person who did this and there is a summons out for his arrest. The office also offered to speak on my behalf to PNC Bank and the bank only wanted the police report file #. 

Thank You in XXXX for any help with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 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: TX

Complaint narrative:
There is an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX - XXXX XXXX XX/XX/2021 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have previously reached out to the company XXXX XXXX and advised them that i did not take out a loan with them. They then sold the debt to National Credit Adjusters and the debt is not owed and also. I did not go into any agreements with NCA and would like this removed from my report. Once a debt is sold, the consumer is no longer responsible for that debt and it is also illegal to sell a debt. I have not supplied proof under the doctrine of topped by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that proof of the alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/2023 {$640.00} Purchase XXXX XXXX XXXX ; XXXX GB, XXXX and Unlocked I tried to email PayPal ; to no avail I called PayPal support number ; XXXX. XXXX. Tried to access my laptop. 

XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( obviously not me ...!!! )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am aliving and breathing human being, I have rights granted to me by the " FAIR CREDIT REPORTING ACT " THAT ARE BEING VIOLATED!! I was denied a mortgage because YOU EQUIFAX has hidden and blocked my score from me and lenders that I am actually applying to. But you allowed my identity to be compromised and accounts be taken out in my name that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened an account with Marcus Goldman Sachs in XXXX. In XXXX my twin sister opened an account as well. Since that time both of our accounts have been forced closed without notice. When I called to get my account unlocked I was notified of this. While on the phone, the representative stated I would have my funds back in 7-10 days. Every time I call I get a different answer. When I called this morning Im now being told that my funds will be locked until XX/XX/23. I am not okay with this. My sister spoke with someone who said her funds will be released back to the original bank within 1-3 days. I need this resolved sooner than XX/XX/23 and Im hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: WV

Complaint narrative:
A few months ago, I was contacted by phone by XXXX XXXX about a medical debt from XX/XX/2017. When I answered, they tried confirming my information and my social security number was incorrect so I hung up because I thought it was a scam call. Then, I received notification by mail that I owe the amount of XXXX to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I notified the company through mail that this is incorrect and would like to dispute the information and be provided documentation. The documentation provided shows an incorrect social security number. I am sure I paid this debt in the past and convinced I am being double billed for a service. I tried contacting XXXX XXXX, who was the original creditor, and they could not find any information about me with both my new and incorrect social. I do not understand how I can be billed 6 years later under something with an incorrect social AND when the original creditor doesnt even have any information on my account. I believe I am being billed falsely and illegally. This collection agency should not even be attempting to collect a bill that isnt with the original creditor or with incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reporting information that I dont know cant dispute it and when you call Equifax the workers have a attitude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us auto sales breached my contract by giving some of the information to westlake portfolio management and I didnt agree to do business with them

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 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX has a hard inquiry that i don't recognize on XXXX and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/2023 ( around XXXX EST ) I received a phone call which my phone identified as CHASE FREEDOM ( XXXX ). I answered it and the man began telling me that there was suspicious activity on my credit card. Being a suspicious person, I checked for a phone number on the back of my credit card and it matched with the number that was calling me. The man proceeds to continue to ask me about purchases claiming he worked with Chase 's fraud department. Over the course of the conversation his questions became increasingly suspicious ( do you bank with chase 's mobile app, what is your social security number for verification purposes, etc. ). Eventually he asked me about my bank account that I frequently use to pay my credit card. I told him I would not discuss this with him and would be talking to a XXXX employee about this. He attempted to assure me that this is normal procedure and read back to me my full name, my full social security number, my full phone number, and my address, as well as an incorrect email address ( XXXX ). I informed him that this was unnerving and he began to transfer me to a " XXXX '' employee ( pronouncing the bank incorrectly with a " t '' multiple times. ) I again checked the back of my XXXX debit card and the number I was transferred to matched. A new man asked me fake security questions like my mother 's maiden name. I mistakenly answered these. Then he began asking me for my username for the " XXXX  '' mobile app. Then he asked me what my balance was. I told him if he truly worked for XXXX then he would have access to that information and told him I would not be revealing this to him. I then asked him if he could just put a freeze on my debit card and issue me a new one. He refused stating it was " unnecessary. '' At this point I told him I believed this was fraud and hung up. They attempted to call me back 6 times from the number XXXX ( which matches XXXX 's real number ). Then I called XXXX and Chase myself and with the help of the real representatives we locked my accounts. The Chase representative informed me that a few of my purchases were fraud and multiple digital wallets had been opened using my credit card. The XXXX representative informed me that during our phone call, there were a few attempted purchases from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NY

Complaint narrative:
XXXX, XXXX and Equifax are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of 2022. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX XXXX  is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : USDOEXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The company in dispute is XXXX. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. XXXX will not update my account with the credit reporting agencies. My current balance is {$1500.00}. XXXX keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.

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