vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/1989. 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

My employer is 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 2022-04-13 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: LA

Complaint narrative:
Someone fraudulently requested a credit limit increase on my XXXXXXXX XXXX credit card on XX/XX/2022 and I got a hard inquiry. I did not authorize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I received the following alert from Experian For a Hard Credit Report Inquiry For a XXXX XXXX  Installment Loan or Bank Account. 

I have never had an account with this bank and have never applied for an account with this bank. XXXX XXXX  and Experian have been notified. And I need this Inquiry Taken off my Credit Report. 

A Police Report Regarding this Issue was filed with the XXXX XXXX XXXXXXXX Police Department.

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/2022, I received a text at approximately XXXX of my account being hacked into. I became aware shortly after XXXX. I had to scan my drivers license and facial recognition to get back into my account and found all my funds had been transferred from my savings and transactions had been made, all totaling up to {$550.00}. Ive filed disputes for the unauthorized transfers and transactions but Chime has denied both and refuse to refund my money that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Account # XXXX, and XXXX XXXX XXXXXXXX  # XXXX, has violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Since XXXX, each year I have so much trouble with the credit reporting agencys said because of XXXX Lacking customer service online services and no live customer service I have spent hours trying to navagate+dispute errors and recieve my free credit reports without haveing and forced to buy their credit moniotoring services to get my credit reports.I know XXXX did not raise my credit score at all while I repaired my credit from XXXX to current XXXX. XXXX has caused me undue stress, kept my scores down while other reports raised as bad debt was lifted.And offer a credit boost but does not have any of the credit unions I was a member at to utilize my monthly paid utilities on time.Plus I have never obtained one free or purchased credit report when ordered all they give is access to the web.Now I am in court with XXXX  XXXX XXXX XXXX when XXXX bought the debt and I was not allowed to dipute with XXXX at all from XXXX XXXX XXXX and now its XXXX and I am unable to dispute fraudulently created XXXX XXXXWith Transunion or any other reporting agency.Something like a third party attches to my access and keeps me from sumitting my requests. 

It has been a ridiculous time consumeing and to have to struggeled with XXXX XXXX XXXX XXXX XXXX. agencies forced to use their web sites. Then keep the consumer from logging in, from provideing statements kept from disputes kept from Security Freeze lifts ( he web sites are impossible to get a credit report mailed to your home address.I do not feel I should have to pay for my free annual credit report.Or have to find somewhere to print a pdf credit report I bought a home Last XXXX and MY credit scores never moved at all from XXXX  after I resolved multiple bad credit reports.My score stayed at XXXX while transunion sored to XXXX.And now I have fraud.I was notified by XXXX  XXXX my credit scores have been decreasing.Thru XXXX XXXX I saw someone opened a XXXX credit card.On the Transunion reporting site.I have not been able to submitt any statements or disputes due to Covid19 excuses and lack of customer service provision unless I write and wait 30 days is what it took me to aquire credit reports in XXXXand these credit reporting agencies hold consumers hostage and exspect them to buy a service from them to review or dispute and item. they carry on my credit.

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 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX {$5700.00} / XX/XX/2021

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 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
Received correspondence from company XX/XX/2022 about a debt that was written off from the original creditor. I immediately disputed the collection attempt. I submitted my dispute on XX/XX/2022 via Certified mail. They respondedXX/XX/XXXXclaiming to have validated the debt without proof as weak as admitting that the original debt was indeed a charge off. I responded XX/XX/2022 informing them that a charge off debt does not get reported on a credit report as debt, but rather the IRS income tax return as income as the law states. I also informed then that they are in violation of several laws and that their willful noncompliance will be enforced per violation. The law is the law and that they must abide by the law and pay me per violation. I received no response to this letter. I then received an email from another collection company claiming that they have the right to collect this charged off debt. The 1st company knew that they couldn't collect it, and they are refusing to pay me per the law. They sold the collection account to another debt collector. I then submitted a third letter to the company citing various FDCPA and informing them that they are in violation of the law and that I will seek further damages if my demands are not met promptly and this account be removed from my credit reports. This letter was just sent XX/XX/2022. They should have received it since they are a local company within driving distance from my residence. Please see all attached evidence and please read in it's entirety. The file that was mailed to the new company ( XXXX XXXX XXXX XXXX XXXX was sent certified and notarized on XX/XX/2022 )

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 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am an adult male with an XXXX XXXX and on the XXXX XXXX. Money was legitimately deposited into my PayPal account, ( my stimulus check, by my mother, through HER PayPal account. Then fraudulent activity occurred, ( I was taken advantage of - my account was hacked ) then this was resolved, the money reversed back into my account, and now PayPal will not release that money that is rightfully mine, they are now saying INDEFINITELY. ( first they said they would only hold it for 180 days ; it has been over a year ). They are holding this money and not releasing it for NO apparent REASON. Nor could their customer service person provide me with any explanation as to why. They are holding over {$2200.00} of mine, and refused to give me a timeline of if or when I can have the funds that are suspended in my account. They simply said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
To whom may concern Report # XXXX and # XXXX don't verify the alleged debt from your company. ( FFCC provided a simple bill which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt ) you have violated at least three sections of this act by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) ( your company still conveying information to the credit bureaus regarding a debt ) Pursuant 15 usc 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium ) THIRD TIME I MAKE YOU AWARE OF FDCPA violations ) 3. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) You have willfully reported an unverified and disputable debt to the credit bureaus. which is a violation of the Fair Credit Reporting Act. I will state again in this certified complaint that you have failed to verify the debt as accurate, you have provided no proof of this alleged debt pursuant 15 USC 1692g ( failed to provide me with the 5 things required by congress ) If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, and I will take action against you for these continued violations and abuse. 

Opportunity to cure ( attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: SC

Complaint narrative:
Hello, XXXX : New Day XXXX is scamming folks into using their services ( at a minimum ) I am a proud XXXX XXXX military member. As such I was recently deceived by a letter from a XXXX XXXX XXXX XXXX XXXX. The return address and much of the company marketing upon opening of the letter very clearly identifies myself as a veteran and authorizes a large sum of money with a mock check totaling up to {$60000.00}, signed by XXXX XXXX XXXX XXXX ... a civilian who's military background has absolutely zero to do with a mortgage company. This extremely unscrupulous and deceptive leverage of his former pay grade is a disservice to veterans ( fact ) and the legacy our warriors throughout the history of this great Nation have fought to preserve ( my opinion. ) Unsurprisingly the phone number within the document did not reach this XXXX yr old XXXX and the return address is not his residence. The same address is clearly marked by a XXXX XXXX XXXX headquarters on the business ' website. 

I may not be a XXXX XXXX but I know right from wrong and this is obviously wrong. Tighten up " XXXX. '' Honestly, forgo your own legacy XXXX XXXX and XXXX XXXX. Tell your lies to your own family and loved ones, don't send this garbage in the mail to mine. Take your hat off of the hook you put it on because it isn't worth a XXXX. 

Another red flag is activation codes on everything that can be used as a complaint vector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of this debt and it is not mine.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore they are reporting misleading false accounts

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 2022-04-13 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: TN

Complaint narrative:
Transunion have been using my credit report for inaccurate reporting, i have so many inaccurate inquiries on my credit report from transunion and would like them removed.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
A credit card application was applied under my name for an XXXX XXXX XXXX XXXX Credit Card thru Bank of America ( BOA Application Reference # XXXX ). This was a fraudulent application and someone out there is using my credit record to apply. Not sure how they accomplished it but wanted to report it to you in case it's more widespread issue using my SSN. Application was filled in late XX/XX/2022 via XXXX. This application is NOT 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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/2022, I was in the process of booking a flight on XXXX. During the process I was offered a {$400.00} discount on that transaction, plus XXXX bonus miles if I applied for the American Express Gold Skymiles card. I applied, and was approved, and clicked the link to request the card number so that I could use it for this transaction. However, when I went to do so, the American Express site required the security number from the physical card in order to see the card number, which of course I did not have. I attempted to navigate to this number instead from the approval e-mail I received, and when I did it said that the number was not available. 

I contacted AmEx customer service, who told me that these cards are not available for instant access. After being elevated to a supervisor, I was offered to have the card overnighted to me, which I accepted as an alternative. However, I then discovered the supervisor canceled my other AmEx card ( XXXX XXXX XXXX ) and sent the reissue for that overnight instead. I contacted customer service, who told me that they can not expedite the XXXX card, i.e., I would not be able to use it for the flight that I'm trying to book, meaning that in order to receive the credit, I would have to book another XXXX flight on the card at a later date. 

Now I also can not use my other AmEx card until the replacement arrives because it was erroneously cancelled. I was not offered any further assistance. I cancelled the XXXX account since this appeared to be a bait and switch ; I would not have applied for the card had I known I would not be able to use it on that transaction, as advertised, but would have to make another XXXX purchase after my card arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
In accordance with the Fair Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX USDOE/XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.

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 2022-04-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 non-monetary relief