vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I went to use my card. I had a balance of XXXX and was declined. Turns out someone got ahold of my credit card number, I still have the card in my possession, a fraudulent charge made of XXXX and they left XXXX on the card. I called Vanilla customer service and received the dispute packet and submitted back on XX/XX/2022. The rep. told me the charge was from XXXX. I locate the website and sent an email to customer service. I received the email back which appears not a legitimate company. After I submitted the dispute packet to Vanilla, I received an an email stating Please allow time for the processing of your dispute. The entire cycle can take 45-90 days, however, some cases are resolved before then. I called in 45 days and was told still working on case. I called on XX/XX/2022 and told by end of business they will have the results to call back the next day. I called back on XX/XX/2022 and the rep tells me still working on case to call back in 3- 5 business days. I told her this was to be already resolved since it is more than 90 days. I was already told to call back and I have and now this case is in my favor, the email specifically states 90 days. She stated needed more time and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Account was locked//frozen when I attempted to transfer my money off of the debit card. I attempted to email and chat with customer associates. I also called. No one could give me a reason my account was frozen or the correct ways to unfreeze it. The manager responded it is out of her hands even! As a private practice XXXX, my clients trusted this Platform when they sent their payments and copayments to this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I ordered firewood from a seller on XXXX market place, requested prepaid before delivery.was supposed to be delivered XXXXXXXX XXXX XXXXXX/XX/XXXX, received a message that he was having truck issues and would be delivered by XXXX XXXX XXXX XXXXXXXX XXXX. i asked if he had a problem finding the place because he hadn't delivered yet, claimed still having truck issues after telling me it was fine earlier and would be delivered later.Approximately XXXX he sent a message that I neede to send another {$250.00} as a refundable insurance to someone with a different name, at that point I messaged him to tell him that I had never heard of such a thing and we should just cancel and refund my money.His message said that wouldn't happen and to just pay the extra money. transaction was through Paypal, I filled out a complaint with them and was denied transaction date : XX/XX/XXXX recipient XXXX XXXX ID XXXX Case Number XXXX I never recieved goods paid for and haven't heard anything back I tried XXXX XXXX department at Paypal and only got busy signal every attempt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: SC

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. 
I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have Purchase a Merchandise from XXXX XXXX XXXX That was Describe as {$5000.00} Estimated Customer Return Item in Unknown Condition. They Requested Wire Transfer to Their Business Account Which I Used to send Money Using Chase. 
After receiving Merchandise It become Clear it was a Fraud and Scam, They send me Item That Total Brand New MSRP is Not Even {$300.00} Let alone {$5000.00} or Close to it. 
I contacted My Bank and Explain To Them Wire was a Business Transaction, It was Send to a Business Account not Personal Account of The Register company Name. It is a Fraud and Scam That I would Like them To Dispute The Transfer with Receiving Bank and Help Reverse it. Receiving Bank is XXXX " WIRE TRANSFER INSTRUCTIONS To : XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Routing and Transit Number : XXXX For Credit Of : XXXX XXXX, XXXX. 
XXXX XXXX XXXX, # XXXX XXXX, CA XXXX Credit Account # : XXXX Additional Information : Only include your order number XXXX on the memo, any additional information will cause a delay in processing. '' Person Told Me It does not Matter it is a Scam they won't do anything About it. It is Outrageous So Now Bank is Openly Facilitating Scammer and Fraudster. Even They Know Where the wire is send and It domestic Wire and It is an Illegal Fraud/Scam under U.S jurisdiction XXXX He refuse to help and do what should be Done. 
Bank Are Given Extra-ordinary Mandate and Govern Themselves as member of Association part of Independent Federal reserve and It is Least Expected That they will show Creditworthiness of stand against Scam/Fraud with consumer who trust them with their money. 
Also they are obliged to Follow Law, Not Protect and AID scammer and Fraudster committing Wire Fraud and Scam. By Not Doing anything They are Actively Aiding the Illegal Activity Conducted by a Person, Business or What else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MS

Complaint narrative:
We moved to a new address after building a home. XXXX added our new address over the phone after confirming identity. XXXX added the new address after receiving written correspondence with a copy of our drivers licenses and a utility bill with the new address. The same written request and documentation was provided to Equifax. In response, they sent correspondence on XXXX XXXX saying they had to have a drivers license or utility bill ( they had already received that ) and copies of our full SS # s in the mail to add/change the address. I would not mail a XXXX or copy of our SS cards to anyone since that could easily be intercepted. I called the same day to tell them that and asked them to change the address. As part of the call, I had to input my full SS # into the phone, so they knew my identity. The representative refused to add/change the address without receiving the full SS number in the mail. Perhaps you can reason with them and make them realize what an unsafe and unrealistic mail request this is, especially since the other XXXX credit bureaus are smart enough not to endanger their customers personal identity information. Our address has been changed everywhere else and needs to be correct on all XXXX of our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
Lockhart Morris & Montgomery. XX/XX/2020 is the date this was reported on My credit report.. I've tried several times to reach out to this company to resolve. I have no knowledge of this debt. The amount is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to apply for a loan and the other person that I was trying to attempt to apply for the loan fraudulently deposited to counterfeit checks into my account the bank accepted the checks when they found out they were counterfeit checks they automatically put a hold on the checks froze my account then they returned the checks to the person who deposited the checks into my account my account is still froze I can not use my account for anything I can not pay bills withdraw money deposit money my bills are now late I am being charged late fees due to my bank refusing to pay my bills or close my account before XX/XX/2022 I am being penalized for someone else 's actions that sums it up to make a long story short this is not right to the consumer

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Hello, I opened a secured credit card with Citi in XX/XX/2020. I was told that by putting down a deposit of {$200.00}, they would extend a line of credit of {$200.00}. They said as long as I kept my account in good standing and built credit, they would convert my card to a standard credit card within a year and refund my {$200.00} deposit. A year came and they decided to not refund my deposit. They said to wait until the XXXX month mark. I did. When that time came, they said to wait again and they would refund my deposit. It has now been XXXX XXXX years since opening the account. I have raised my credit score XXXX points to XXXX, I have nothing in collections, I kept my account in good standing, never went over my credit limit, never missed a payment, I worked extremely hard to get good credit. They are still refusing to give back my refund. I asked why they refused but they just gave general information saying it is based on the account and on my credit. All of those have been in good standing. They refuse to return my deposit unless I close my account. I don't want to take a hit on my credit report by closing the account. It looks like they are taking advantage of me and took my deposit under false pretenses. I have the Citi secured mastercard. I spoke to customer service last today over their chat feature.

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 2022-10-26 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: KY

Complaint narrative:
I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately 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 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 2022-10-26 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account.

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.

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 2022-10-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I applied for a lease on Hyundai website. They gave me a reference number and told me someone would be in touch. They pulled my credit, I can see that on my credit report, but no one ever called me. I called the local dealer that they said they were sending it to, but they have no record of it. I called the XXXX XXXX XXXX  manager and he never called me back. I have no idea what the status is. At this point I would not do business with them ever, but I hate the idea of my application being out there some where.

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