vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called each to request documentation and none stated they have written documentation bearing my signature showing I authorized the credit file but the information was done online. Per the FCRA, I am writing to dispute and request the following inquiries be removed as I did not authorize them access to my credit file. 

XXXX from XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
XXXX from XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
XXXX from XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX XXXX XXXX via XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX via XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX  XXXX via XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
This negative collection account by Eastern Account System was reported to the credit bureaus, and added to my credit report even though when I closed the account with the original credit my account was closed, paid and in good standing. All equipment used was also returned to the original creditor.

I have NO KNOWLEDGE of this debt, as I did not owe the original credit any unpaid balances, and have never personally had an account with Eastern Account Systems.

I have previously contacted Easter Account System to resolve this matter, advising them that I do not owe this debt and the account was reported incorrectly. I have even suggested a possible settlement, just so that this could be resolved and removed from my credit report, even though I know this debt collection is inaccurately reporting. The collection agency declined.

I also search up on the NMLS.consumer.access.org website to verify if this company is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not have a South Carolina license.

Any attempts that Eastern Account System is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Scammer was able to get password to paypal account. I immediately notified paypal that it was not me trying to change password. Paypal locked account. Scammer had taken XXXX $ and bough XXXX XXXX gift card. Paypal send me formal e mail ( in paypal systrem ) saying they would stop scammer transaction and return the money. I have waited months and not gotten money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I became XXXX  and XXXX in XXXX of XXXX. I continued paying loan and car note until I had no other option but to file insurance through XXXX  whom I have been paying for insurance for the loans I have with them. I have never been late before. I called XXXX explained my situation told them I have not been working and would like to put in a claim for the auto and loan that I currently have with them. I was told insurance has been filed and XXXX will take care of it. Now I have been hit with late payments even though insurance has been paying. XXXX 1LATE PAYMENT XXXX 2 LATE PAYMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I became XXXX  and XXXX in XXXX of XXXX. I continued paying loan and car note until I had no other option but to file insurance through XXXX  whom I have been paying for insurance for the loans I have with them. I have never been late before. I called XXXX explained my situation told them I have not been working and would like to put in a claim for the auto and loan that I currently have with them. I was told insurance has been filed and XXXX will take care of it. Now I have been hit with late payments even though insurance has been paying. XXXX 1LATE PAYMENT XXXX 2 LATE PAYMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I became XXXX  and XXXX in XXXX of XXXX. I continued paying loan and car note until I had no other option but to file insurance through XXXX  whom I have been paying for insurance for the loans I have with them. I have never been late before. I called XXXX explained my situation told them I have not been working and would like to put in a claim for the auto and loan that I currently have with them. I was told insurance has been filed and XXXX will take care of it. Now I have been hit with late payments even though insurance has been paying. XXXX 1LATE PAYMENT XXXX 2 LATE PAYMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Victim of Identity Theft ( See attachment )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
No knowledge of account and did not know how to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. Mohela is insisting that I need to recertify my income now, which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. They confirmed with me over the phone that they would be pushing it out by 1 year during a call on XX/XX/XXXXXXXX  and then are now going back on their word. Please assist me with getting my recertification date extended to XX/XX/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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has charged my account over {$1100.00} for a claim they denied. Wrote me a nasty letter saying Im not part of their breeches when I have proof I was part of their breech data settlement back in XXXX. After that someone had access to my social security number and their name appears under my credit report which I reported to their crime investigator. After that my bank had a lot of bank fraud. I lost my XXXX which I have proof of that which I asked XXXX to wipe my data clean since XXXX and that person accessed my bank cards, passwords and started mining money in XXXX little by little out my account for over {$15000.00}. Again Wells Fargo claims they dont go back pass 60 days but gave me {$680.00} towards that claim of almost {$15000.00} and revered my other account for {$1100.00} that same day putting me in the negative. Corporate headquarters and bank managers printed me out statements all the way to XXXX and told me they will help me with past charges as far as 5 years that I did not do. Now they are trying to call me liar saying Im not part of the breech. Wrote me nasty letters. Corporate told me they are aware that XXXX there was a lot of fraud being done to peoples account. They were even part of a XXXX scam back in XXXX which is the activity I noticed in my account was a XXXX scam and in XXXX a XXXX scam. Nobody wants to help me not sure if its a sort of discrimination. My mental and physical health is ruined by Wells Fargo and their unfair practice and how they accused me of charges when Im part of identity scam which is caused by them. My life was fine before their settlement issues and malpractice. I want my {$15000.00} from XXXX someone stole and the charges of {$1100.00} reverse back to my account so I can start a new account. If not I will have to go the legal way because the emotional damage, XXXX XXXX, run arounds, lack of sleep and stress is too much for a loyal customer to go through. They dont care about me or anybody. Im just learning in XXXX I have letters coming for another class action lawsuit settlement for fees on my account. How much more can I take from this bank and bad business practice and theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have a collection on my credit report from TransWorld Systems. It states that the original creditor was XXXX. I have never received any communications from TransWorld Systems prior to them reporting on my credit report. Furthermore, this debt was previously under service of XXXX XXXX. I submitted a debt validation letter and they responded that they would cease collections as they could not validate the debt. I do not owe this debt and TransWorld is improperly reporting this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I called the company repeatedly today to try to unfreeze my credit report and the automated menu kept hanging up on me. I called around 6 times and was hung up on every single time by the Transunion automated system. 

I tried to login repeatedly and never received the 6 digit verification code. 

I tried to chat with a human after being faced with a robot on the transunion website and the human that showed up provided zero help and refused to transfer me to a supervisor. I did provide feedback that no help was provided on the transunion website. 

I'm now at a dead end with trying to unfreeze my transunion credit report. I need to UN-freeze my Transunion credit report immediately. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am was involved in a fraud/ scam with XXXX through my bank, which is Bank of America XXXX XXXX XXXX sent out a notification from a Bank of America number saying funds were sent and if not authorized please reply with yes or no, as a bank usual sends when using XXXX request or receives funds. Then used my phone number to give confirmation codes which the bank does to verify who I am, all coming from a Bank of America number which was directed as if it was coming from Bank of America. XXXX XXXX then transferred {$3500.00} using the codes he was sending pretending to be Bank of America to himself. This was reported to Bank of America, and I was physically at the bank the next day to help start an investigation. They denied my claim because XXXX XXXX is with XXXX XXXX and XXXX XXXX is denying the money he unauthorizedly sent and XXXX XXXX unauthorized received and sent to him. This has been going on since XX/XX/XXXX, and I have been escalating in every possible way. I was scammed and my money was fraudulently given without my consent. This person has multiple accounts of unauthorized amounts from other clients. I have made a police report and have all the pictures and documents from the occurrence. I still have been denied my authorized money and I want my money to be sent back to me. I can not go to small court to dispute because I do not have the money to do so, I just had a significant amount taken from me. This is a bank issue, that I have been with since XXXX, and needs my funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALPHA MIDCO INC
State: FL

Complaint narrative:
I sent them a debt verification letter via Certified mail on XX/XX/scrub>XXXX  and gave them 30 days to respond and they never responded and they still have things negatively reported on my credit report. I tried disputing it on all 3 credit report companies prior to sending this letter, but it still stayed on so i sent them a debt verification letter and never received a response and its been after the 30 days of notification and still nothing... The letter was sent certified via usps, The so-called debt in question is in the amount of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have XXXX left on my Am-Ex pre-paid gift card. I have tried to use the card multiple times for purchases under XXXX dollars. At all vendors it has been declined. This happened at XXXX XXXX yesterday in XXXX, NY for XXXX dollars and today while trying to purchase shoes at XXXX XXXX for XXXX dollars. I've done research and it seems like this is a widespread problem and therefore a scam, because I have funds here that I can not access. I have used this card in the past at restaurants so I'm not sure why this is happening.

Company response to consumer: Closed with monetary relief