vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: AL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: SD

Complaint narrative:
I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from equifax ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX  account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I requested a new card from American Express because my old card was suspected to have been breached. When they sent me my new card, they sent a the new card number to creditors who have automatic payments taken each month. In the process, they sent the new card number out companies that I did not have automatic payment withdrawn each month. Therefore, the card was placed in the payment section of accounts that I have no relationship with. My card information is all over the place. 

A charge from XXXX showed up, which I did not make. The contact number on the statement supposedly a XXXX number is a non-working number. As well, American Express place the new card in a XXXX account where all financial information had been removed because the account has been hacked and now I can no longer get into the XXXX account. The XXXX story is another saga in another complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, EQUIFAX and XXXX  is reporting inquires to my credit from UNKNOWN SOURCES without my consent or knowledge. 

XXXX  is reporting 17 INQUIRES EQUIFAX is reporting 11 INQUIRES XXXX  is reporting 8 INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: SD

Complaint narrative:
I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from XXXX  ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.

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 2021-04-01 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: SD

Complaint narrative:
I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from XXXX  ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.

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 2021-04-01 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: NC

Complaint narrative:
XXXX, XXXX  and EXPERIAN is reporting inquires to my credit from UNKNOWN SOURCES without my consent or knowledge. 

XXXX  is reporting 17 INQUIRES XXXX  is reporting 11 INQUIRES EXPERIAN is reporting 8 INQUIRES

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 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
Here is how I have been victimized by XXXX XXXX and Cash App. 

I started investing in XXXX in XX/XX/XXXX and started out with {$300.00} then I took a large chunk of my retirement money to invest by buying {$5000.00} thru Cash App on XX/XX/XXXX. This was my first time I've ever invested in XXXX. The investment firm I worked with at the time had assigned me a trading XXXX to step me thru the process of continually buying XXXX thru Cash App every few days. XX/XX/XXXX I bought {$100.00}, then I started withdrawing what I had bought directly to this investment firms wallet address. For 3 days I withdrew all that money I had bought to the investment firms wallet address. Then on XX/XX/XXXX I ended up buying {$1000.00} more of XXXX. Then for 3 more days I withdrew that amount I had bought and sent it to the investment firms wallet address. Then on XX/XX/XXXX I bought another {$5300.00} more of XXXX thru Cash App. This whole time not knowing that my money was going to an investment firm that would never release my profits they had promised me. I came to realize after {$31000.00} was bought in XXXX XXXX Cash App and realized that I've invested all my life savings including my retirement money thru my work was gone, I had nothing left to give. This investment firm had milked me out of all my money and promised me I would be able to transfer my profits of {$310000.00} that had grew in 3 months, not knowing that I could not withdraw my profits because supposedly according to the firm, they could not release my profits without paying an additional {$16000.00}. This went on since XX/XX/XXXX. At that time I felt helpless and did not know what to do. I got scared. I needed my money back. I finally realized I had lost all my money to a fake company that pretended to be legit, but isn't. They had a fake license. Fake ID. Fake website. I needed help. I got scammed! 

Kindly find the conversations between me and the scam company attached. 

I've never been through this before. So the whole {$34000.00} I lost to a firm that has scammed me out of my money. Found out this investment firm has scammed not just me, but a large number of investors. I thought by investing I would get a big return. Obviously not. 
So I'm asking Cash App to please reconsider your decision to refund my money back to my bank account, so I can feel confident and secure about my future. I dont have a future now because all my money is gone. I'm XXXX XXXX XXXX. I have grandkids.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Transunion are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.

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 2021-04-01 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: AL

Complaint narrative:
XXXX XXXX Experian and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.

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 2021-04-01 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: AL

Complaint narrative:
Experian is reporting incorrectly my Date of Birth. They are only showing the year. My Date of Birth is XXXX. Experian is also incorrectly reporting my mailing address. They are showing only a XXXX XXXX XXXX I do not have a XXXX XXXX XXXX ( Please see page attached from my credit report for reference. I have also attached a copy of my drivers license and SSN card to verify my identity. ) Experian continues to report the following accounts listed below as belonging to me. I do not have an account with any of these creditors, nor have I had any accounts with these creditors in the past. They are fraudulent and need to be removed from my credit report. ( I have attached a XXXX XXXX disputing the validity of these accounts. ) XXXX partial account number XXXX ; XXXX  XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX partial account XXXX XXXX and XXXX XXXX L partial account number XXXX opened XXXX and XXXX XXXX L partial account number XXXX opened XXXX. NONE of these accounts belong to me. Experian is also reporting multiple inquiries on my credit report. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report for reference. ) These multiple inquiries belong to someone else and are reporting in error. I have contacted the bureaus as well as the creditors to remove these negative items from my credit report however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Again, please remove these fraudulent accounts from my credit report.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Due to an account takeover attempt at another bank, my bank accounts were all closed and I was issued new bank account numbers. 

Changing the account number for TD to ach my monthly mortgage payment has been time consuming and full of mistakes. I repeatedly asked for a supervisor to email me and never got one. 

I need XXXXt to : XXXX. Waive their three ach payments returned and your kicked off ach rule. 
XXXX. Correct the amount of the ACH withdraw to match the required loan payment, adjusted accordingly for changes in escrow. 

TD either incorrectly setup the monthly payment via ach, or provided the wrong form when I requested to change the account. The required payment and an extra principal payment is being removed. 

Third, it should not require a paper form and a check in this day and age to change an account number. 

Fourth, I should not have to wait on hold for an hour each time to pay them. Their website was not able to take a one off payment. 

XXXX, it should not take weeks to process an account number change. This made it so that I had to sit on hold and extra hour because they had not updated my account in time. 

It took 4 hours of my time to change the account number and pay td bank in the interim while they changed the account number. That's just crazy when you multiply that times the number of customers. This should be processed online.

Company response to consumer: Closed with explanation