vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX Date Opened : XX/XX/2018 Balance : {$160000.00}

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 non-monetary relief
Consumer complaint received 2022-04-13 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: AL

Complaint narrative:
I the consumer am not a third party but acting on behalf of myself submitted a request regarding some fraudulent inquiries that I do not recognize nor did I authorized. My personal information was exposed in a data breach and may have gotten into the hands of the wrong person. I have yet to receive any response to my dispute from any of these credit agencies and its been more than 45days. From what I read on the FTC website when I submitted my request for these fraudulent items it stated 4 business days so how does that turn to 45days?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I'm XXXX XXXX, and my account ends in XXXX, and my social security ends in XXXX. A few weeks ago, I received XXXX of my last unemployment checks and apparently there was something wrong with it. Don't ask me how, but when I called Chime, I was told the that XXXX had written XXXX checks to XXXX separate individuals but using the SAME check number. I was told your AI figured this out and it never got to a human. I had had to go through my XXXX to get my unemployment started in the first place because they were failing miserably at their job. The XXXX insisted that I attempt again, because they were just sure they could not make a mistake. I attempted to redeposit and it was rejected again. In total, they insisted, through my XXXX XXXX assistant that I do this XXXX times, and apparently you have now denied me the ability to do mobile deposits. 

I had to complete some form to get a new check and send it through the XXXX XXXX office via email. After a week or XXXX, I was advised I needed to MAIL the form and the check in. 

I now have a new check, and I HAVE DIRECT DEPOSIT ( see my social security check in the amount of {$1600.00} deposited by XXXX XXXX XX/XX/XXXX. I would like this service back. I am almost XXXX and am XXXX and can not stand in a XXXX line for great lengths of time. I like Chime but if I have no way to cash my checks that come in, it is pointless to use Chime as my bank. You can clearly see from the back of the check that the XXXX insisted I continue to redeposit this check. 

Please reinstate my mobile deposit. Currently, I have XXXX broken ribs and a fractured hip and have nobody to drive me, nor any money because you won't allow me to deposit it. I'd appreciate your assistance. You can also write to : XXXX at XXXX XXXX 's office for verification that I am telling the truth. Your cooperation would be appreciated. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CO

Complaint narrative:
I called the company XXXX. ago & was told that they can't find this debt in my name. Told XXXX  this & they still say its mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: ME

Complaint narrative:
I recently had a company report a that my account was 30 days late in XXXX on my credit report. The account that is reporting this is XXXX. I was absolutely 100 % NOT 30 days late, and I have PROOF of this. I have NEVER been late or missed a single payment on this account and, in fact, not only was I NOT late in XXXX, but I also made TWO ADDITIONAL payments that I DID NOT HAVE TO MAKE in XXXX and paid FAR MORE than the minimum due for the month of XXXX because I am trying to pay the account off sooner rather than later as I am purchasing a new home. 

Now, here is my problem with EXPERIAN. I have been trying to file an online DISPUTE for this account for the past FIVE DAYS and I keep getting an error message saying, " Oops, we're sorry! We are currently unable to process your request '' whenever I try to file a dispute. I have NEVER had this issue with Experian before when trying to file disputes online. I have emailed Experian customer service XXXX XXXX in the past several days, but my emails are being IGNORED and NO ONE has replied to me. 

FIX YOUR ONLINE DISPUTE so I can FILE MY DISPUTE or I will take LEGAL ACTION against Experian. With this complaint, I have uploaded a screenshot of this error that I keep getting whenever I try to file a dispute. I have been getting this error for NEARLY AN ENTIRE WEEK. FIX IT. NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: MT

Complaint narrative:
Received emails from Avant about an account that I had opened. I never opened an account with them. I also had my credit locked through XXXX as well as notes attached with all three credit bureaus to verify all information due to previous fraud attempts after my information was leaked during a data breach. They pulled my credit without my consent and I am currently in the process of building/closing on a home. I have received no call backs from them and everytime I call I am told that there is a note on my file. They pulled my credit. A hard pull that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
This item was deleted XX/XX/2021 on report number XXXX XXXX. By another third party debt collector. Now a new debt collector is attempting to part thus on my credit report again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
Credit inquires on my report that are not mine. I disputed these directly with the company and with the credit bureau and they still remain XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XXXXXX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi bank closed my account which was in good standing without warning. When I called them to ask why my account was closed without notice they advised me it was due to non-usage. The account has a XXXX balance and is in good standing. This dropped my credit score. This caused me harm and I work hard to keep my credit in good standing.

I was planning to use the card to travel but due to covid 19, I haven't had the opportunity yet. This seems like unfair business practices. Please advise me on what to do. I called Citi bank and they refused to re-open my account. They told me I could re-apply for the card I had but refused to remove the inquiry that comes along with applying for credit. This seems very unfair. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I was notified by email that my homeowners insurance policy cancelled out due to non payment. When I purchased my home with another lender, they had me setup an escrow account for it to be paid out of. The loan was sold from that lender to my current one. Well my policy was due for renewal on XX/XX/XXXX, however due to an unknown data error on my current lenders side, my homeowners insurance was not paid and it was cancelled out. Once I was notified of this, unfortunately it was too late to take any action and therefore I lost all coverages with my old insurance company, and I had to bind in an emergency with another insurance with far less coverage for almost the same price. I sent in a notice of error to my lender on XX/XX/XXXX and I just received a response letter stating that yes there was a data error on their end, however they could not get my old insurance coverages back - unknown reason why. I called and they told me that its because I currently have insurance. I advised that due to their error I had to bind with someone before I defaulted on my home loan. They did some " further investigation '' and called me back and advised me that I should call my old insurance back, get a quote, and they will see what they can do if anything. I called my old insurance and well they can not do business with me as I have to go thru with my insurance agent. I am being given the run around and now I will be seeking legal advice on this matter as I know my rights as a consumer. If the lender defaults on their end they are supposed to be subjected to fixing the error at no cost to me. This is not the case for me and therefore will be further legal advice due to them not taking responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I purchased a timeshare at the XXXX in XXXX XXXX on XX/XX/XXXX, under the impression that the timeshare would not appear on my credit. I asked the agent XXXX would it appear on my credit, because if so I can not get the timeshare. I explained to her that I was going to be buying a house in XXXX for my son 's, my mom and I. She told me that it would not be on my credit and that XXXX XXXX owns the property and that they would not run my credit. I am a single mom and all I ever wanted to do is be able to purchase my first home for my family and I. I thought XXXX was looking into why this happened but unfortunately she did not. I continue to get calls from people who try to get me to upgrade and say they are with XXXX. I always tell them no and explain to them that I have been misled into buying a timeshare and I need to talk to someone so I can get out the timeshare and give it back to XXXX. I enjoyed the stay at XXXX and was very happy to buy the timeshare but had I known it was going to be put on my credit I would have waited until after I purchased my home then gotten the timeshare. Everyone I talk to at XXXX said I had 10 days after purchase to cancel the timeshare, but the timeshare did not appear on my credit until after the ten days had pass. I have worked so hard to build my credit and position myself to be able to buy a home. 

The day I went to meet with XXXX, I asked her how long the meeting would take and she said not long. I was at the meeting for more than 5 hours. When I got to the meet I was intoxicated and needed rest and water. She was nice enough to make sure someone brought me water while I was at the meeting. She also told me she would help me rent my room out to make money, which she never did. I have been lied to and tricked into this time share. I sent all the text messages to XXXX XXXX XXXX member XXXX XXXX and all she did was give me the run arounds like the rest of the people working for XXXX. She asked me to send her the text messages between XXXX and I, I sent them to her. XXXX told me that she could not tell that the messages was from XXXX, although XXXX phone number was on top of every text message, then XXXX said my contract with them is still valid. So in other words XXXX did not do nothing wrong under their company procedure. 

I have continued to make my payments to XXXX because I really like XXXX and did not want to ruin my credit with a foreclosure and ruin my opportunity to purchase a home. I have ask XXXX to take the timeshare back, refund my money and remove it from my credit and they refuse to. Everyday I find myself going into a XXXX, because how could this company be on my credit as a mortgage and I can only get the room every odd year. Had I not been XXXX  I would had never commented to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I am a XXXX customer of PayPal and am relatively comfortable with using the XXXX XXXX assistive feature on my XXXX XXXX  to navigate accessible features and apps on the XXXX. A friend of mine made an airline purchase for me with the agreement I would reimburse him via PayPal. I have used PayPal successfully for years and felt confident with its app. To make the payment, I used the Search feature on PayPal and entered my friend 's email address. PayPal then located what I believed was my friend 's PayPal account since I typed in his email address. Because I am XXXX, I am not able to identify another customer by an avatar, and because the account name PayPal was " phonetically '' identical to my friend 's name, I entered the payment amount and sent it. To my horror, when I contacted my friend to confirm he received payment, he said he did not. I called PayPal to report the incident and discovered I sent the payment to the wrong person because -- and this is critical -- PayPal gave me the wrong account even though I typed in the correct email address. I had to escalate the call and make several attempts because each time the PayPal representative said it was not their fault but my fault. I finally had a supervisor type in my friend 's email address in the PayPal search feature, and she came up with the same incorrect account. The two names were spelled differently but were phonetically identical. My friend 's name is XXXX XXXX. PayPal instead directed my to XXXX XXXX. This incident occured on XX/XX/2021, and the amount was for {$520.00}, I believe. I did try to cancel the payment but it was already accepted by the wrong account member. I also attempted to email the mistaken account member but received no response. PayPal 's only comments were to wait two or three days to see if the other person responds, and if not, there is nothing they could do. To summarize, I am XXXX, I typed in the correct email address for my friend, PayPal 's system gave me the wrong person, I sent the wrong person {$520.00}, this person did not respond to my requests to return the money sent in error, PayPal duplicated this error on their side and admitted it must be a quirk in their algorhythm, but said there was nothing they could do further. I am hoping there is some legal or ethical precedence to hold PayPal accountable for not only refunding my funds sent in error due to their site, but also to force them to evaluate and correct this error that might and probably has affected other XXXX, visually impaired customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I started a dispute. They requested additional information, through mail or secure messages. I submitted additional information online via chase secure messages on XXXX XXXX, 2021. It has been over 90 days and I have not received a response, in violation of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation