vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is TransUnion. 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 2021-08-16 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:
I am a victim of identity theft. There are 9 inquiries on my Equifax credit report that do not belong to me. I have submitted a dispute for each fraudulent inquiry as well as a FCT report and identity theft affidavit to Equifax per their request. I have spoken to 3 Equifax representatives on the phone and have submitted all requested documentation to them via fax. Equifax refuses to remove the fraudulent inquiries. Equifax is the only agency that refuses to remove these inquiries. These inquiries need to be removed immediately as Equifax is violating my rights as a consumer and reporting inaccurate information on my credit report which can negatively affect my ability to be approved for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : XXXX XXXX XXXX  Account number : 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 2021-08-16 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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and I C SYSTEM are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : I C SYSTEM Account number : 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 2021-08-16 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MD

Complaint narrative:
I CALLED DISCOVER CREDIT CUSTOMERS DEPARTMENT ON OR ABOUT THESE MONTHS. 
XX/XX/2021 THUR XX/XX/2021 I CALLED AND ASK IF I CAN MAKE A {$100.00} DOLLARS PAYMENT a week to pay down my balance due .. the agents told me no!!!!! AND I WAS TOLD NO BY 8 DIFFERENT CUSTOMER SECIVER AGENT. from my months of XXXX and thru XXXX ask to speak to a supervisor the same information apply. 
This is wrong how u treat you member DISCOVER THESE ARE THE TREAT THAT DISOCVER SEND TO EMAIL TO CUSTSOMERS ALL THE TIME 1. WE WILL CLOSED UR ACCOUNT 2. WE WILL NOT TAKE PAYMENT OF ANYTHING 3. WEILL NO ANSWER UR CALL WE WILL BLOCK ALL UR CALL TO DISCOVER.

4. DISOCVER WIL NOT HELP NOONE OF THEIR CUSTOMER REGARDLESS NEW OR PASS 5. DISCOVER WILL DELEBRATLY REJECTED PAYMENT FROM CUSTOMERS AND HOLD ALL THERE MONEY UNTIL THE FEEL LIKE APPYING IT TO THEIR ACCOUNT.

6. DISCOVER TOLD ME ON XXXX THEY DONT WANT ME TO PAY MY BILL ON A RECORED CALL AND THIS WOMAN STATED THAT AROUND OR ABOUT THAT TIMR.

7. DISCOVER PUT CUSTOMERS IN TRICK BAG SO THEY ARE UNABLE TO PAY THEIR BILL.

8. DISCOVER ALWAYS LIE TO THEIR CUSTOMER TO MAKE EXTRA MONEY ON THEM.

9. DISCOVER HAS ALWAYS SWEEP THEIR ISSUES UNDER A RUG AND PAY THEIR WAY OUT OF TROUBLE ALWAYS..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC
State: TX

Complaint narrative:
Asked customer service about log in portal to pay off loan and they claim they dont have a login or member log in to tell me how much I owe on {$600.00} loan also they are taking {$170.00} out of my count every paycheck until 2022. Company cant and wont provide details regarding my person information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
It is a Credit Card that I use to build credit and put money to build credit did not use the XXXX to start with like they reverse the credit line giving me a balance of XXXX which is the balance that I have in credit not owed or used only used what I put on the card to make transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: NJ

Complaint narrative:
Transunion had to addresses I never used or lived in and reported numerous items I disputed it and want to ensure that the correct information is reflected on my report. 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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. 

On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. 
This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ).

Along with exhibits, documentation, Identification, and laws showing how and when I was violated.

Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k.

Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction.

All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. 

And litigation will follow if ALL my demands are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I XXXX XXXX via written communication to Portfolio Recovery Associates LLC regarding three accounts that were opened in my name without my authorization. I an an Honorably discharges XXXX XXXX XXXX, and I was homeless for 4 years during the time that these accounts were opened. I have been contacting Portfolio Recovery Associates LLC to show me proof that I opened these accounts, but to no avail.They also have not seen fit to remove these accounts from my credit report. This has resulted in extreme difficulty for me to get back on my feet and also to obtain the resources necessary to take care of my XXXX children. 

Portfolio Recovery Associates LLC are aware and have made me aware that the statute of limitations on the accounts have expired, Portfolio Recovery Associates LLC have not made any attempts to remove these items from my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX ( XXXX ) XXXX. amount of {$2200.00} XXXX XXXXXXXX XXXX ( XXXX ) XXXX. amount of {$5100.00} XXXX XXXX amount of {$3500.00} I have never had any issues with my credit and I have traveled the world with the XXXX XXXX for over 10 years with no issues regarding such. I pray that The CFPB can assist me in getting this matter resolved without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of ID theft. 
Thief purchased three handsets and subscribed to 6 phone lines using my name. 
I promptly contacted XXXX and filed a XXXX XXXX police report about the issue. 
On XX/XX/2021 I sent all documentation in my possession to XXXX at the XXXX XXXX replied : " This has been deemed relationship fraud, which means we will not be able to handle this without a police report naming a suspect. '' Suspect has been arrested by the XXXX Police department. On XX/XX/2021 I forwarded XXXX the police report supplement that names the suspect as requested by the XXXX representative. 
However XXXX placed the account for collection and I received a letter from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CA

Complaint narrative:
On XX/XX/2021 an attorney contacted me regarding payment due on a project. We determined that I could pay {$500.00} per month in a previous confirmed conversation. They asked me for an update to my card. I gave them my Venmo card number with an ok to charge {$500.00}. 

The attorney charged {$1400.00}. She said that her accounting department would make a one time charge of {$500.00} on the Venmo card then for the following month continue with my regular card on file. 

I received a text message noting the unauthorized charge. I called them right away to cancel because this wasn't my agreement. She stated that accounting would credit the {$1400.00} back and charge the {$500.00} due. Accounting called me and said they canceled the pending transaction and would wait 1 day so that they'd be able to charge the {$500.00}. The attorney charged the {$500.00}. I contacted Venmo to let them know about the unauthorized charge. I wanted to find out when the $! XXXX would be credited back to my account. Customer service canceled my card because I said the word " unauthorized '' i told them I the card isn't the issue it's the charge. They allowed me to keep my existing card. I've contacted customer support daily for the last 5 days. They avoid telling me when the funds will be returned and they avoid talking about the transaction. I apologized for the confusion regarding the card. I never asked support to cancel my card. 

To date I haven't received the unauthorized {$1400.00} debited using my Venmo card. No ETA for the return of the funds and no apology.

Company response to consumer: Closed with monetary relief