vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Someone came to our house on XX/XX/2024 @ XXXX XXXX He was flashing his flashlight XXXX looking around. We didn't know who he was so we didn't answer the door. He came back XX/XX/2024 at XXXX XXXX. My dog was going crazy so I asked who he was. He said he had papers and I told him I'm not opening my door. I told him I'm going to call the police if he doesn't leave. He said he had papers for XXXX XXXX. I asked him to leave again and told him I will call the police. He pretended he was the police but left the property but took pictures of my home. The police was also called and I was told if he comes back we can do a trespass warrant but he had to be there to do it and was told we don't have to answer or door. The guy also said we didn't have to sign the papers which was a lie in attempt to get us to open our door. The lawsuit came from a place called Javitch Block LLC and the phone # is XXXX XXXX XXXX. They will not answer their phone and I felt threatened in my own home by the person they sent out.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX  Theft report 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX Theft report number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation imposed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXXXXXX 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 2024-01-30 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 explanation
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-01-30 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: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: GA

Complaint narrative:
I have never owned an account or signed a contract with this company for any services. I am requesting a copy of any original contract of an agreement entered into between myself and Unifin XXXX Inc., with my original signature on the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
On XX/XX/2023, I sent a validation demand letter to Diversified Adjustment Services requesting a full validation of debt on an alleged debt that they claim that I owed. I received no response.

Imagine my surprised, when I viewed my credit files, and this fraudulent debt is now listed on my credit files, after they refused to verify the debt, and chose to ignore my legal request for the demand. This has dropped my credit scores over XXXX points, and has caused me a lot of grief and harm for a debt that is not mine, and that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Companies such as JMPCB Card Services and XXXXAmazon used my information without my consent which got me hard inquiries in my credit report. I did attempt to apply but never got an agreement or consent to use my information to read my credit or any other personal information of mine. I wish for these two unknown credit companies to remove those hard inquiries from my credit report for no further action to occur without my authorization. These inquiries without my consent occurred on XX/XX/2022. For the right of my authority, I recommend for the following companies to politely remove these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX  app charged my chime account for {$350.00} on XX/XX/2023. I was supposed to rent a vehicle from them for a week. I was told that my account was on hold due to XXXX  issues so I did not get to keep the vehicle. I owed XXXX  {$58.00}, but my full {$350.00} deposit was still withheld. XXXX told me my bank received it back but chime keeps telling me XXXX  has it. It has not been almost 2 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened up an account with HSBC. I was with HSBC in the past when I lived in NY and it was under XXXX XXXX  owned and managed by the XXXX XXXX. At that point, XXXX was a great bank and treated me well. IN 2024 I wanted to start again because I liked what I experienced in the past. This time so far I have been treated with disrespect and the bank refuses to return my money to me. What happened was I opened an account and was waiting to use it for direct deposit from my employer. I made a small deposit to see if it worked making check deposits. I waited XXXX to 6 days the check never cleared I stopped payment on it because I saw it was not processing. Since XXXX. I never received an email from HSBC that the deposit went through XXXX. There was never a time frame on how long it would take for the check to clear. For most normal banks it takes XXXX to 2 days. nothing from HSBC. My employer then submitted my direct deposit from my salary. At the same time, HSBC closed my account without notifying me that this was going to happen. Instead of them being mensches and returning the deposit to XXXX so my employers can send me the money in other ways. hey have held on to the deposit when my employer called I called ADP the bank has not helped return my money to any of us. Their excuse is we are in the process of closing your account. I told them to close an account you don't need to hold on to money that does not belong to you. Close it and give me or my employer the money back it has been XXXX weeks and we are still holding here. The customer service is awful there is no communication and I have called them most of their operators sound like XXXX XXXX XXXX they don't speak XXXX there it is like hitting your head against the wall. I have had enough. I want the bank to XXXX  my money to me XXXX or whatever carrier they use and I never want anything to do with this bank again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX XX/XX/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 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 2024-01-30 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:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: IA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-01-30 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: IA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Barrett Motors, Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention a discrepancy in the reporting of my credit file by your bureau. The issue pertains to the account managed by BMI FINANCE INC, which is inaccurately listed as an auto loan by your agency. 

Upon reviewing my credit report, I have observed that XXXX ( XXXX ) is reporting the account type as an auto loan. This information is factually incorrect. The account in question is correctly identified as an " installment loan. '' However, the accurate account type should be a " Credit Sale Agreement. '' I understand the importance of maintaining accurate and up-to-date credit information, as it significantly affects my creditworthiness. Discrepancies like this can have adverse effects on my financial standing, and I believe it is imperative to rectify this error promptly. 

I kindly request that you investigate and rectify the account type misclassification at your earliest convenience. The accurate reporting of the account type is crucial for the integrity and accuracy of my credit file. As a consumer, I have the right to an accurate credit report, and I believe it is crucial to address discrepancies promptly. 

I appreciate your attention to this matter and your prompt resolution. If needed, I am willing to provide any additional documentation or information to support the correction of this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-30 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in our dates [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshoot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX and Credit Collection Services continue to report an alleged debt that I owe without sending me proper documentation to validate this alleged debt. I would like to know how it was validated and with whom did this validation process happen with. 

Furthermore debt collectors are third party debt buyers and I have no obligation to pay and I refuse to pay it! 

XXXX and Credit Collection Services are both required under FCRA to follow reasonable procedures to protect consumers against fraudulent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation