vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have an account with PayPal and I noticed that few transfers transactions from other country XXXX that I do not know anyone, were withdrew from my bank account, I tried to dispute these transfers transactions but I was only able to disputed 3 transactions.I did not authorized money transfers to this person, I do not know if this person logged in into my paypal account, I do not know this person from overseas, I will attach the list of numerous of transfers donned by fraud. PayPal refused to help me and correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX Hello.. I had been a member of chase for XXXX  year and so, I get done With my IRS, My tax payer provides me My Return tax Check Which Is from XXXX XXXX By XXXX and The amount Is XXXX $ As soon as I receive It I go Into The Chase app And Virtually deposit my check, After a day gone my account was put on Restricted And they told me that They try and call the number on the check and They dont answer as If they verified It already. I give al call back to XXXX XXXX and their response was. They called In the next day In the morning Soon as XXXX am and Verified the check, I had a whole situation Where I had XXXX XXXX on the phone And tried to Put chase On a three way and all They could say Is that They cant be put on a phone call with somebody else It's Their policy, I Went to the chase bank branches for the next 3 weeks at least once a day to speak to a different Manager or Member so My issue could be resolved and all there was To It, All I had was the same answer over and over, Chase responses to this was, XXXX XXXX Is not registered In their system and can not get In touch With them, as If the company was fake, At least 1 Member told me that theyve seen check from XXXX been verified for different customers and never had issues, I even had XXXX appointments With my tax maker and chase and could still not Get any responses, I couldnt even get the check back, they would not provide me my check back, My account closed, Couldnt Create another one and My business with chase was over and still have not got back my IRS Funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NJ

Complaint narrative:
I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 2024-02-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681 section 604, states I have the right to privacy ( 15 USC 1681 ( section 604 section 2 also states a consumer agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I am requesting all late payment reportings to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: DC

Complaint narrative:
RECEIVED PHONE CALL FROM COMPANY, REQUESTED A TRUE BILL BUT REPRESENATIVES HUNG UP.

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 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NJ

Complaint narrative:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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 appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX Balance : {$9900.00}

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
Most Importantly, FNB is going to try to do a merchant dispute code for a previous merchant so they can hold my money for a ridiculous amount of time and the provisional credit department of this entire bank has said " we all know who you are '' over 3 calls in total over two transactions. They did fix the first transactional fraud problem after a very long 3 week harassment but, they still wanted me to wait 60 days on a XXXX dispute accompanies by a police report. The problem is FNB will do the same thing with XXXX because I do business with XXXX. HOWEVER THIS IS A DIFFERENT HOST. XXXX is a platform for different owners of properties to charge money for rentals so yes, the merchant has been used before but not for this property owner. this is in dispute with the XXXX, HUD, a few other people but I want the bank to code this and work it within 10 business days not say, " well, since you've had business with them before we have to take a business quarter to investigate ''. I don't have a business quarter to wait. This is a single owner on a platform not a repeat charge. Just because XXXX and I do business does not mean XXXX XXXX XXXX XXXX nor I have ever done business before. This was our first interaction it was the most horrifying business transaction I've ever had, I'm pressing to have her put in jail for things she did however, I am demanding that FNB code this in merchant services in a manner that this is a first transaction because I may do business with XXXX but it is simply a charging platform for multiple hosts. I'd also like it if, until I transation to XXXX XXXX that FNB treat me with respect. I feel like I'm talking to a mob bank when I speak to these people. I finally after a month reached one nice lady and even she knowing the situation seems to be at a point of " we don't care that you're being taken advantage of with proof out the gazoo, were going to do our own thing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
THE DEBT COLLECTION COMPANY HAS CALLED AND I HAVE REQUESTED A TRUE BILL THAT THE COMPANY HAS A CONTRACT WITH XXXX XXXXXXXX, BUT THE REP REFUSED BY HANGING UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Company never sent me written notification of debt. Instead company added to my credit reports. I paid debt and now won't remove. Debt was never properly owed to begin with, but company has been impossible to deal witj.

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 2024-02-02 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: MT

Complaint narrative:
I had a statement generated XXXX XXXX with a due date in XXXX. I paid on XX/XX/XXXX before the bill was due. After the bill was due I received a new statement saying the due date was missed and I now have a past due amount. The statement even shows my payment was made in time. I called mohela and the said the payment went straight to the interest because I paid too early. I pointed out that I paid on time not early. They said the would correct it in 5 to 7 days. I was told at that time not to pay until it was fixed. A week went by and it still showed past due still. I called again and the agent said my payment should have happened because of forbearance and it takes 30 days for XXXX to fix the account. I asked them about my next payment and they said to go ahead and pay. However I mentioned how the manager before said not you pay yet. I was then put on hold to while they confirmed what to do and then they hung up on me while I was on hold. On top of that I keep getting messages about being past due. And my previous email inquiry was ignore and met with a past due noticed, I responded to that message and got a generic repayment help email from them. 30 days to process is insane, and the customer service sucks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have a borrower defense application in process and am in an administrative forbearance. Even though I have not recieved any notification from the department of education or my servicer Aidvantage about the status of my borrower defense application, my servicer took me out of administrative forbearance with a due date of XX/XX/23. I have not recieved any communication from my servicer. I have tried to call them but can not reach anyone. Please intercede on my behalf and get them to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Synovus Bank
State: OH

Complaint narrative:
My name is XXXX XXXX and i have made several attempts to XXXX to have my identity restored due to criminals illegally reaping the benefits of using my identity. On XX/XX/year> i sent out a dispute letter regarding my identity being stolen to XXXX credit reporting agency. During the time my identity was stolen i was serving a long prison term in the Michigan Department XXXX XXXX so attached to my dispute letter was supporting documentation such as Proof Of Incarceration proving that i had no access to my own identity and that the perpetrators did what they wanted and ruined my financial well being. 

XXXX and creditors deleted what they felt was necessary to them. The remaining accounts and inquiries that need to be deleted from my credit report are : XXXX. ) XXXX XXXX Acct # : XXXX XXXX. ) XXXX XXXX Acct # : XXXX XXXX. ) XXXX : XXXX XXXX Bank XXXX. ) XXXX : XXXX XXXX Bank XXXX. ) XXXX : XXXX XXXX investigation was conducted pursuant to the FCRA section XXXX. XXXX in case of disputed accuracy.. The investigation was done in such an error that they REMOVED XXXX ACCOUNTS RESULTING FROM THE IDENTITY THEFT BUT DIDN'T DELETE THE ASSOCIATED INQUIRIES. 

Also XXXX and creditors failed to have damaging information blocked and removed from my credit report according to FCRA 605.B Block of information resulting from identity theft. Instead XXXX and creditors continue to make the consumer suffer having to deal with the burden, all because they make a profit from data furnishers to continue to report inaccurate and false information. 

According to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is to be done in a way that allows complete identification information to be reported with the ability to match the CORRECT consumer.

Company response to consumer: Closed with explanation