vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I originally disputed this debt with LockHart Morris and Montgomery also known as XXXXMinc back in 2018. They ended up deleting this debt with XXXX and XXXX and would not remove the debt with XXXX. I noticed the debt when I ran my credit with XXXX and noticed they never deleted this debt and they by law had to remove the debt with all three credit agencies. 
Instead they transferred the debt to their other company name, XXXXMinc and put the debt back on my reports. I wrote them and sent evidence of them previously removing this debt and that they needed to delete it with ALL agencies.

T

hey have reported three different amounts and instead sent me an old contract not showing evidence that I signed a contract with them or owed them anything. It is also fraudulent to add back a debt that was previously removed without providing new evidence. I disputed this debt with the credit agencies who are backing this company up claiming the debt is valid when it is not. My final attempt before I pursue this company and the credit agencies aiding them in this fraudulent reporting is to reach out to the CFPB for help to see if they will do the right thing and redelete this debt with ALL credit agencies that they are reporting me with. If they do not delete this debt PERMANENTLY, I will sue them all for fraud, defamation of character, damaging my credit worthiness, the distress they have caused me all these years, the credit denials and high interest rates I have endured due to them damaging my credit with a debt I do not owe them. This is my final attempt, and if I can not resolve this matter with the CFPB, then I am already prepared to go file a petition against them to show up in court in my state to provide the evidence to collect on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
A payment of {$10000.00} was made on XX/XX/year> through PayPal ; they held {$9600.00}, I received an email the next day stating they were going to keep a reserve until XX/XX/year> and they will release 50 % of the transaction then they were going to release the second part on XX/XX/year>, we called and then they said that they were going to hold the money for 180 days as a reserve. 180 days half past I have tried calling again and they do not wan na release my money. They took their fee and according to what they have told me they need to release the money. I have tried to call three times and every time they tell me something different the first time they say to wait 21 days then the second time they say to wait 180 days I just called because the 180 days passed and now theyre saying, they can not give me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/year>, I reported fraudulent changes of address in four of our credit cards with Synchrony Bank ( Two Sam 's Club, One XXXX, and one PayPal ). We discovered that the accounts have been hacked FROM the Bank site, and the address changed to XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. We have NEVER lived or had any business in Arizona. The bank was advised and measures taken. 
Today Saturday, XX/XX/year> XXXXET I received email notifications from PayPal in reference to the new card for my XXXX XXXX XXXX account. but the address was AGAIN changed to the AZ hacker one. 
My wife 's and my credit scores have suffered because of this, and from XXXX score we are down to XXXX today. 
We request an investigation before any fraudulent activity or transactions continue. 
We have reached out to the AZ PD and XXXX PD as well to lodge a complaint and document the issue.

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 2024-10-26 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-10-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
on XX/XX/year> an Identity theft dispute was filed including an FTC report with proper validation for Identification, according to our records ( XXXX tracking number ) was received successfully. MAXIMUS education also Aidvantage has failed to respond to my dispute within FCRA stated time frame with investigation resolution to the inaccurate reporting. All CRA 's either failed or have not received documentation from MAXIMUS also Aidvantage about the Identity theft dispute on all accounts in order to start a mandatory investigation. Till this date no response was received nor resolution to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Urgent Assistance Needed : Account Restrictions and Fund Access Issues with Chase Bank Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding my account with Chase Bank, which has been restricted following a deposit of {$55000.00} on XX/XX/year>. On XX/XX/XXXX, I received an email stating that my account may be closed to protect against fraud. This is particularly concerning as I have previously made similar deposits from the same owner {$37000.00} two weeks ago and {$25000.00} a couple of months priorboth of which cleared without issues. 

Chases fraud department informed me that the restriction is due to their inability to verify the owner 's phone number through the XXXX program. Despite both the owner and I visiting the local branch and providing proof of identity, Chase has stated they can not help further ; the issue must go through XXXX. 

Currently, I have {$16000.00} in the account, which I am unable to access. This restriction is severely impacting my ability to purchase materials and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Without these funds, XXXX XXXX and I face significant financial hardship. 

I have read about similar experiences others have had with Chase, leading me to believe this may be a systemic issue. I fear that if my account is closed, I may never see these funds again. 

I appreciate your attention to this matter and hope for your guidance on how to resolve this issue promptly. 

Thank you for your time. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-10-26 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I opened a personal checking account. As part of my responsibilities to a student organization, I have to collect membership dues and deposit them to a separate account, and I wanted a temporary checking account as an intermediate to store any dues transferred to me digitally, which I would close in a few months after all the money was withdrawn from the checking account and deposited to the organizations proper account. The account was solely for the purpose of keeping these dues separate from my personal finances. After creating the account, I set up XXXX as a convenient option for students to pay their dues. After receiving five XXXX transactions totaling {$150.00} on the same day, the next morning, XX/XX/XXXX, Capital One sent me an email saying that there was suspicious activity on my accounts, and my accounts would be restricted until I called them. After doing so, I was told that the suspicious activity in question was the five XXXX transactions, and they wanted to confirm that everyone that XXXX  me was someone I knew personally to ensure that I wasnt using the personal checking account for a business or organization. When I obtained phone numbers and provided them for verification, Capital One said none of the numbers could be verified, and told me I had to visit a Capital One XXXXXXXX branch with all the individuals who XXXX me with their photo IDs to verify their identities and relationship to me. I do not own a car, I can not drive, and I can not access all my funds because {$150.00} of membership dues to a side account has been flagged so that all of my accounts are restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I have tried disputing a transaction for {$250.00} with PayPal Mastercard at Synchrony Bank. PayPal has been unhelpful and not addressing my concerns. They have not sent out any letters or communications to address my dispute. They rejected my dispute without notifying me. I have tried reaching out to PayPal over and over, but their customer service has been unhelpful and has provided me with factually incorrect information. After inquiring about my dispute, PayPal asked me to send them evidence to support my dispute. They refused to receive the evidence ( e.g., photos ) electronically. After I shipped them the photos, printed in color, PayPal confirmed receipt. But now PayPal is claiming they're having difficulty viewing the images because their scanners were able to scan the photos in black-and-white. 

Moreover, after filing a dispute five separate times, PayPal customer service could not locate any of my disputes.

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, TransUnion sent me a letter about an " illegible '' complaint, providing file # XXXX. However, when I checked their website, I couldn't locate any record of this dispute. TransUnion claimed part of my submission was illegible, but everything I've submitted to them, as well as to the CFPB, has been electronic. Given my trust issues with TransUnion 's business practices, I'm concerned this letter might be a tactic to claim I havent responded and eventually dismiss my charges. This could impact my case involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant find any reference to file # XXXX on their website, which leaves me unable to respond properly. My CFPB Complaint number is XXXX continuing this falsified record on my report is causing me great financial harm in my ability to find housing due to a natural disaster area. I have submitted emails, lease renewal emails, new leases and move out reports and still fond in favor of 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 non-monetary relief
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the place of business, balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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

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 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 non-monetary relief
Consumer complaint received 2024-10-26 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: VI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CADENCE BANK
State: TN

Complaint narrative:
I had a deposit to place in my account on XX/XX/year> for XXXX but because the bank didn't have my company 's DBA they didn't couldn't place the money where I need to go, this was done the day after it had complete deposit in. I had email my banker like two weeks prior to that date on my DBA. I finally got a hold of her after the issue had start from me trying to move money over to crypto currency. I email her my DBA information but she stated she didn't know the correct code to place this under and have to contact her District person regarding this, so I told her that I didn't know the code for that. Then, she came back and told me that they decide to close the account because I didn't have that name under the account and that it is illegal to have a DBA with an LLC. I request for the district professional information and to contact me, so XXXX contacted me. He tells me since your DBA was established that there fraud department contacted him and told him that had suspicious of fraud, that the money was be investigated then after that, they decided to closed the account because of me not have DBA not being established with the account. I went on to ask him questions then he couldn't answer the questions. I said well you can look up my DBA and its not my fault that my banker was out the office, she couldn't figure out codes. My banker is name is XXXX XXXX and I spoke with another banker at different location which escalated the issue about my DBA not being there, they need more information ( location on XXXX XXXX XXXX, cant remember his name. Then XXXX also goes to say that no other deposit wasn't in the account before 30 days of this deposit. I tell him I am trying establish my business, I can invest my money how I want to. He go say well your DBA wasn't present so we decided to end relationship with you because of that not saying it was fraud but because your name wasn't established on the account in which it wasn't my fault. XXXX was on vacation not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NJ

Complaint narrative:
The company has sold the debt. This is more the 20 years old, it shouldnt have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alliged debt, therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error resulting in damage to my consumer report.

Company response to consumer: Closed with non-monetary relief