vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
First of all Ive tried multiple times to contact PayPal by phone and online. All attempts are without success because everything is automated. I cant talk to a live person employee. Im having trouble with income because of the pandemic and loss of business and income. 

Over the Past three months Ive been charged interest fees on XX/XX/XXXX for {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX {$32.00} interest charge. XX/XX/XXXX {$40.00} late fee. 

They lower my credit limit without warning and charge me an excess amount of fees again for being over the credit limit. Again I call and call customer service. Either waiting for XXXX minutes without answer or agent answers and hangs up on another attempt to reach customer service. 

Im getting completely buried financially by this company. I have no means or options to get help, or any type of assistance. I dont know how a business can operate with no regards or options for myself the consumer. Now Im faced with {$300.00} minimum payment requirements and Im trying to catch up financially after a long finically income drop off with the pandemic rules and regulations. 

If I cant get ahold of anyone at PayPal, I cant explain my situation, I cant work on a solution to recover from this type of fees, late charges and penalties. Im not seeing my 100 % on time payment record on my credit report being ruined now because of their late payments they reported. I feel like no customer should ever be exploited like this in America by and company. I need help. I need protection from this companys exploitation and unfair reckless behavior. This could have been avoided if communication was made. Setting up payment arrangements or reduced minimum payments or recommendations on a resolution.

Ive been completely left in the dark, Im getting charged with fees that Im not even able to understand. I can not ask PayPal. Instead of any type of communication Im being threatened with emails and statements that I cant respond or ask questions about.

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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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 2022-01-09 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: KS

Complaint narrative:
I noticed two hard inquiries on my report today. The inquiries are dated XXXX XX/XX/2022. I did not apply for any new line of credit. I tried to contact both creditors. XXXX did not answer. XXXX XXXX was the other creditor. The clerk was able to assist me concerning this inquiry. I was asked for my XXXX which did not match. I was asked for my name she informed me an application was submitted in California. The application was for XXXX XXXX store. I did not apply for either of these accounts and will continue to attempt to contact XXXX as well. Please assist with this dispute. I have tried to submit dispute online without success.

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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I had Request and Send TwiceTo XXXX and EQUIFAX Credit report To Update My Personal Information, Because the Information and Address they have are incorrect. I have only one Address, one Name, one SS #, one Phone #, one Employer But XXXX Refused To update My INFO, They have Address in my File that I never Live in and Never Knew About. I Have Sent All MY Documents To Them, all I need for them To Remove Those Addresses include po box and They refused To Because Post Office will never deliver To Inaccurate Address. 

I Had Sent Them Everything CERTIFIED MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: MN

Complaint narrative:
Equifax If you dont remove the illegal chapter 7 public record im Executing a lawsuit already spoke with attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: FL

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 theft of my identity to the Federal Trade Commission and I also have enclosed copies of 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 non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing me a lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me. 
My legal and full name is XXXX XXXX XXXX please DELETE any other variation of my name ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 

I am employed at XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrity of my profile. Please delete the following fraudulent addresse : 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 XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing me a lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me. 
My legal and full name is XXXX XXXX XXXX please DELETE any other variation of my name ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 

I am employed at XXXX XXXX XXXXXXXX. 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrity of my profile. Please delete the following fraudulent addresse : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH 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 non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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 2022-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates
State: CO

Complaint narrative:
I voluntarily relinquished a vehicle that was a lemon years ago that I bought with a loan from XXXX loan at XXXX XXXX in XXXX Co. They sold the car and the remainder of the loan became my debt which Stafford and Associates became the owners of that debt. They contacted me using a name and the gender I no longer use for I had my legal name change and gender marker change completed 8 years ago. I explained to them to use my correct information and I set up a pay arrangement of {$200.00} a month. If I was late one or two days based on my pay dates, they would call me 2-3 times a day using the wrong name and pronouns repeatedly. I made 3 payments and in XXXX I missed my payment because I fell behind. My intention was to call them in the new year now that I have a new job and do a different pay arrangement that I can afford. They called me 4 times on my number and began to call my family in both XXXX and XXXX harassing them for my information. They got a hold of my sisters partner somehow who does not know my gender identity and proceeded to ask for me with the wrong name and pronouns. This is private information that this new family member does not know and was for me to tell not for XXXX or XXXX who called 4 times to my sisters house in XXXX. I have called angrily to Stafford and Associates to all the numbers I have on file and could find letting them know that this was inappropriate and that my private information was not to be shared with anyone.

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 2022-01-09 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: CT

Complaint narrative:
I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : 1.XXXX XXXX XXXX XXXX 
Account Number : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-01-09 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: CT

Complaint narrative:
I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXXXXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
My name is XXXX XXXX, 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 theft of my identity to the Federal Trade Commission and I also have enclosed copies of 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 non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I received a call on Monday, XX/XX/2022 and missed it. Upon looking up the phone number, I realized it was a collections company. Having dealt with their tactics 6 months prior in regards to identity theft on my wife, I immediately called MRS Associates back. I was advised of an outstanding balance due under my name and social security number for XXXX XXXX. I advised them this was identity theft and that I have never opened an account with XXXX, nor have I ever lived in Texas, which is the address on the account. MRS Associates advised me that I needed to file a police report stating as such and email to them. I submitted the requested documentation, including the police report, placed a fraud alert on my credit file, and still MRS Associates attached a delinquency on my credit account with all 3 major bureaus. I maintain a credit score over XXXX and now have wasted hours of my time and lost over XXXX points on my credit score because of their dishonest tactics when I was very transparent with them. XXXX XXXX XXXX XXXX is a collaborator with the criminals in these situations in allowing accounts to be opened without proper verification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error XXXX my credit profile that is really causing mea lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me.My legal and full name is XXXX XXXX XXXX please DELETE any other variation of myname ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I amemployed at XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrityof my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Mortgage debt was discharged in XXXX of 2014. Selene Finance bought the discharged debt from XXXX XXXX and has been harassing us ever since. They most recently reported the closed account as open and past due causing my credit to drop XXXX points. We've notified them by phone and in writing by providing the discharge papers and they continue to call, send fraudulent insurance request paperwork, and make harassing phone calls. Ive disputed the debt though XXXX and they refuse to remove the item from my credit saying the debt has been validated even though I provided the discharge paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, 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 theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation