vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-20 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:
I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX  XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used PayPal to make a transaction with someone I did not know. I sold them an XXXX for {$750.00} and used PayPal because everyone told me it would be secure and safe and PROTECTED. The other party told me to request the money from him and gave me his PayPal so I did that and the other party met me to pick up the XXXX. All was good. However later PayPal told me the party told his bank it was an unauthorized transaction and PayPal and the other party 's bank are siding with the the other party ( clearly a scammer ). This person is clearly doing this to multiple people and trying to scam us ( in my conversation he was asking if any of my friends were selling XXXX too, I didn't think anything of it at the time ) so now the other parties bank AND PayPal are protecting this scammer and leaving me responsible. PayPal has made my account negative XXXX by adding an additional inconvenience charge and stealing {$84.00} that a family member had transferred to my PayPal account. PayPal should not be leaving me held responsible for this scammer and they should not have taken back the {$84.00} sent to me from a family member. I have attached the PayPal screen shot and conversation notes with the scammer/ other party. Clearly PayPal is not a safe and secure site to make transactions and does not clearly state you need to take additional steps to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX Cards rewards credit card, a XXXX XXXX XXXX XXXX store card, and a XXXX XXXX XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both TransUnion and XXXX by phone, i've submitted several documents to XXXX  by certified mail, and fax, and and several attempts i was not able to be helped.

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 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My application for an XXXX Mastercard was denied, presumably in part because of the incorrectly low credit score listed in the adverse action notice. When I called Sychrony Bank to ask for an explanation, as I have excellent credit, with a score above 830 and more than {$200000.00} on deposit in a Synchrony Bank savings account, the phone representative was unable to give any more insight as to why the bank denied my application on the basis of weak credit. 

The adverse action notice lists XXXX XXXX as the source of the credit report. XXXX is not, to my understanding, a standard credit reporting service and does not have access to information that would be standard for FICO, XXXX, XXXX, etc. The adverse action notice listed my credit score as XXXX, which is more than 150 points lower than all the scores I have been monitoring through other bank account relationships ( XXXX XXXX XXXX and XXXX for example ). 

As one of the nation 's largest banks, with reportedly more than {$79.00} XXXX in assets, it strains belief that XXXX uses only the non-conventional, non-standard XXXX XXXX to access prospective customer credit information. 

These facts suggest that Synchrony did not believe I would be a profitable customer ( in terms of spend and balances carried ), so used the XXXX pull as a means for denying my credit application. 

I am filing this complaint because I think my experience with this credit application may have exposed a bank practice by which certain customers with excellent credit are denied under the pretext that they have insufficient credit. These customers are harmed because they go through the time and trouble to apply for credit, have an inquiry made to their credit reports, only to have their applications quickly denied.

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 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a vehicle loan ( for lease ) with XXXX XXXX XXXX together with my brother ( he was co-signer ), and the account was paid on time throughout the lease term. It was opened in XXXX and should be closes in XXXX, but, unfortunately it is still showing open.

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 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed this inaccurate infroation 4 times, last transunion dispute # XXXX. 

There are 2 accts on the credit report from same creditor XXXX XXXX # XXXX ( creditcard ). XXXX XXXX # XXXX ( Loan ) both accts discharged chapter XXXX bankruptcy, but the have 1 acct XXXX XXXX # XXXX ( creditcard ) as open and other XXXX XXXX # XXXX ( loan ) show closed which is correct. 

Both accts were discharged via the same chapter XXXX bankruptcy and both should show as closed, but everytime disputed transunion states it is accurante. 

XXXX and XXXX show both acct closed and dischanged chapter XXXX bankruptcy, which means transunion is not actually doing an investigation, otherwise i would like to know why other credit bureau show accurante as both acct being closed and dishcarged chapter XXXX bankruptcy, since i have disputing this 4 times, this inaccurante acct should be deleted immediately.

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 2019-01-20 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:
I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 )  XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 )  XXXX XXXX Acct # XXXX 10 ) XXXX XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Payments Check Services, Inc.
State: PA

Complaint narrative:
Global payment check services. has added three charge off accts to.my credit reports.XXXX credit report # XXXX on XX/XX/XXXX I received my report. They first reported on XX/XX/XXXX I had no knowledge of any account with them or their clients. Date opened XXXX XXXXchargeoff date XX/XX/XXXX. For XXXX acct # XXXX I LOTTERY IS THE SUPPOSED CLIENTS. NEVER IN MY LIFE HAVE USED THAT SERVICE. TWO MORE CHARGE OFFS SAME CLIENT AS PA I.LOTTERY THE OTHER IS XXXX XXXX.i never used that service as well. This is all fake and definitely not mine all three. The company harasses me but Will not listen to me and my verification of false accusations they caused my credit score to.drop 165 points

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX XXXX rewards credit card, a XXXX XXXX  XXXX XXXX store card, and a XXXX XXXX  XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both XXXX  and Equifax by phone, i've submitted several documents to Equifax by certified mail, and fax, and and several attempts i was not able to be helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XX/XX/2017 I have sent in numerous written requests to the credit agency Experian in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. I have requested debt validation per FCRA Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have received nothing in writing, nor have I received any of the information by them validating this debt is mine. This is a clear and blatant violation of section 609 because nothing was provided to me. I have sent in a notice of deletion from the same company that appeared on my XX/XX/XXXX report but still no action was taken by Experian except a reply of this debt has been validated, but when I ask from proof of validation I receive no information or paperwork. I am humbly asking that this matter be investigated.

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 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Sir, I have received a letter from XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX  that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX  and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Sir, I have received a letter from XX/XX/XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX   and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.

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 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
I am deeply concern that an account that was already disputed with the original service provider XXXX  XXXX has shown up on my credit report. This account is a HIPPA violation. I request several time for a invoice of services. I never got that from either XXXX  OR XXXX XXXX XXXX. I fail to see where XXXX is in compliance with OHIO LAW 1319.12 ORC Taking assignment of debts. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

( 4 ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other evidence of indebtedness was canceled. ( G ) Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031 of the Revised Code and 16 C.F.R. 433, as amended. I need this account to be deleted immediately until all OHIO LAW requirements are meet as well as FDCPA standards are meet!

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 2019-01-21 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: CA

Complaint narrative:
On XX/XX/XXXX I paid {$8.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 

On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. 

According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account. 

On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. I am now submitting a complaint to the Consumer Finance Protection Bureau to obtain their assistance on this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a Huntington checking account ending in XXXX. The account is tied to my credit card that is also with Huntington.

If my checking account has a negative balance, there is a " cash advance '' that takes place making my account go positive. My credit card has and had availability of {$180.00}. That could have easily paid for a {$16.00} payment and {$19.00} payment. However, they did not let this feature take the course for no apparent reason and I lost {$75.00} in two NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I played off the account early and they expected me to keep making payments. I brought this to their attention once and they said it would be fixed but was not the next time I was turned in to the CREDIT bureau for not making payments on a loan that was paid off

Company response to consumer: Closed with non-monetary relief