vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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: VA

Complaint narrative:
Several inaccurate addresses are reporting on my credit report. I have provided Equifax and XXXX proof of my identity multiple times and proof of residency and they continue to falsely report this information! I have called multiple times to Equifax and XXXX and representatives have been rude. I've been hung up on a few times as well. I've tried escalating the call and waited for a Supervisor for over a hour. Reps have told me fraud happens to everyone and to deal with it.They have changed the dates several times showing current status for inaccurate addresses and put my current residency as former which is clearly inaccurate. They have added so many wrong addresses that Clearly they have mixed up my information with someone else! I have asked them to validate this information and they have not been able to do that! I have been denied credit because of inaccurate information reporting. I have sent both bureaus certified/notarized documents on multiple occasions and its hard to keep up with this extra expense. I disputed this information XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inaccurate information still reporting as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS EDFED - XX/XX/XXXX XXXX - XX/XX/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 2022-06-04 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: FL

Complaint narrative:
Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS EDFED - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: FL

Complaint narrative:
Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS XXXX  - XX/XX/XXXX XXXX - XX/XX/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 2022-06-04 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: OK

Complaint narrative:
Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.

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 2022-06-04 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase refused to investigate fraud and refused to properly credit or protect my account while I was in the XXXX 

I reported fraud immediately after getting out of the XXXX 

The person who took my fraud report included transactions I never agreed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2022-06-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2022-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2022 I tried transferring money from my PayPal account to my personal checking account. I did not want to pay the {$1.00} fee to have my money transferred to my bank account immediately so I chose the option have it transferred in XXXX - XXXX business days. That option kept giving me errors saying my bank account could not be linked, and then it told me the account was already linked so it couldn't be linked again. However every time I clicked on the Transfer it would not provide me with either my bank account or bank card on file to transfer to. My bank does support PayPal so that's not the issue. Then I tried clicking on the option to have a check sent to me and every time it just re-routed me to the transfer funds to my account. I tried submitting a ticket via their Resolution Center and I received an error message saying my request could not be processed and to try again. I would try again and would receive the same error message. Every time I tried calling I received an automated message that said no one was able to take my call and it forced me to text with someone. So I started a message with their support team, who was not helpful at all. They only provided me with screenshots from their Help Center showing me how to navigate their system, told me the issue was because I had to update my telephone number on file, and then they told me the issue was because I did not verify my tax information followed with because my account has less than {$10000.00} they even said that should not have impacted me transferring money to my checking account. Their online support did not listen to me and they did not help me at all. Something in my gut said to try selecting the {$1.00} transfer option, as I had a bad feeling by this point, spending several days trying to get my money transferred the FREE way, that this option would immediately work. And it did. As soon as I clicked that option to be charged to transfer my money to my checking account my money was transferred. I never updated my telephone number on file and I never verified my tax information, so that just proves there's something wrong with their system that they refused to acknowledge and help me with and they ended up illegally charging me {$1.00} in fees to have my money transferred because the free option gave me error messages for days. I want my money sent to me via check from PayPal that they illegally took from me. I want nothing else to do with their company as this is not how a company like theirs should operate and I hope they are help accountable for these unethical business practices. I have provided screenshots of all messages I had with their employees and screenshots of every issue I reported in my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04 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: OK

Complaint narrative:
Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.

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 2022-06-04 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: OK

Complaint narrative:
Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: FL

Complaint narrative:
Malicious compliance Reporting.

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
Someone using my name and identity ( but using a XXXX, FL, address, a place I have never lived ) opened an account with Kikoff Lending LLC with a charge of only {$24.00} on XXXX XX/XX/XXXX. There are unconfirmed reports from other consumers that this company has been known to open accounts in one 's name arbitrarily. On a credit report run on XXXX XX/XX/XXXX, I was called " seriously delinquent '' by this firm. I am reported as past due by only {$6.00} as of XX/XX/XXXX. I never have dealt with this firm in the past, nor have I ever been delinquent on a payment. Attempts to phone the company lead only to a voice mail telling the consumer to email all questions to a dubious email along with SSN, etc. I have no intention of sharing private information with this company as they have decimated my XXXX to the point that I can't even get a small, short-term loan with my bank. I have reported this to XXXX and they have opened a fraud complaint and are seeking to resolve this. I have not sought legal recourse, but am comtemplating a criminal law suit against this firm. At the very least, they should be put out of business and the principals in the firm prosecuted to the fullest extent of the law for this felonious act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: NC

Complaint narrative:
I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do 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 explanation
Consumer complaint received 2022-06-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do 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 explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name COMENITY BANK I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is requesting information to verify my identity. This information was sent to them on XX/XX/2022, complaint # XXXX. This seems to be a stall tactic with the credit bureaus. They are reinserting information without my knowledge and not following the law according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
AARGON AGENCY INC for the amount of {$1100.00} that was occured through XXXX XXXX XXXX XXXXXXXX that was already paid in XXXX by heath insurance provider XXXX XXXX XXXX. I have tried to dispute matter through the credit bureau several times throughout XXXX and XXXX but they continue to tell me that the information matches and it is denied. I am not going to pay a debt I don't owe and was already paid I am not sure where error in their data payment system occured but they need to fixed and address this matter ASAP. But is unjustifiably unfair and It is ruining my good credit and reputation.

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 2022-06-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion is asking for information to verify my identity. This information was sent to TransUnion on XX/XX/2022, complaint XXXX. The credit bureau seems to be stalling with the investigation process and prolong the investigation. This company is breaking the law according to the FCRA.

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 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I have an apple credit card that I never use. I was alerted on XX/XX/XXXX from my fraud protection company that I was delinquent on my account. I checked the card and saw small charges that I never authorized. The charges are listed as followed ; XX/XX/XXXX. {$.00}. 
XX/XX/XXXX. {$5.00}. 
XX/XX/XXXX. XXXX XXXX. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 

I contacted Goldman Sachs/Apple on several occasions and they gave me the run around. Several managers said they would credit back my account for the {$8.00} and would have it removed off my credit with the bureaus. I have not used this card since I got it and did not authorize any transaction. I never received any notification of past due by email, text or postal mail. Today they notified me that they would not take the charges off that they believe they are accurate. They can see from my history on this card I never have used it. Why would I allow {$8.00} to ruin my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: NY

Complaint narrative:
Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX  XXXX XXXX ), XXXXXXXX  ( XXXX ), XXXX XXXX/ XXXX XXXX XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX  XXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor

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 2022-06-04 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:
I received the approved credit card and one declined from Bank of America that I never applied for last name was spelled with one letter short I called the one and they told me to report it to 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