vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The inquiries showing in the report of XXXX and TransUnion is incorrect and must be deleted accordingly : XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


TransUnion XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-26 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-01-26 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
So far I've made it through 2 of 3 credit bureaus. Both showing 2 incorrect, false information. 
1 ) XXXX XXXX  Applied for services on line. Multiple phone lines and phones. Went in to pick phones sign papers, we were refused phones, we stated cancel whatever contracts, because you are breaching the verbal/written agreement made, so we left no phones. Now I find on my credit report an amount owed, and negative marks. For a contract breached day 1. I have no documentation because the only thing to document, was the breach done by XXXX. I find this highly disturbing. Both bureaus refused to correct and remove but stated my dispute ( which IVe filed multiple times, can't be located ). Disgrace. 
2 ) after being rear ended and put out of work, a crooked insurance company sent me 2 pip  checks. ( personal injury protection ) on most insurance policies. And in true form for customers loyal for 10 years, XXXX put stop payment before mailing these checks. My accounts were frozen and force closed due to ( suspected ) fraud. Now I find XXXX XXXX is showing up on my credit report, showing a credit card balance. Funny thing though, payment was refused and the money in hand denied with an accusation of possibly counterfeit. This was after being in a XXXX XXXX and finding out my accounts were frozen and in process of being closed. This action from my bank, because of fraud done to me by my own insurance company. When this was reported to the authorities, by me, the XXXX  XXXX  there to protect consumers, found in favor of the insurance company. Apparently it's alright to defraud your loyal customers. Apparently it's ok to show false inaccurate information about you on credit reports ruining your chances of ever fixing or repairing your credit. Or owning a home, or decent car, or any benefit of good credit. And though I mean I'm no attorney, but isn't it illegal to put false derogatory and negative information out to whomever requests it? And refuse to remove it? I've made no headway with XXXX the bank or the bureaus. And this is so wrong and illegal. But what do you do when this happens? Report it to the crooked authorities? Like the CFPB who will always in my experience side with the corporation not the consumer they are supposed to protect. What a disgusting agency this one is. Corporate financial protection bureau.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I just made a call to Apple Card issued by Goldman Sachs to lower my credit limit. However, the representative mentioned that there was no such option to do so. I felt that's a risk posed on my potential using and I want to lower it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was XXXX and my credit profile was used by people in my family, when I was XXXX I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XXXX at XXXX I received a notification of an attempted withdraw for {$300.00} stating " did you try to use your chime card just now '' to which I replied NO. They still allowed the transaction to go through, even though they blocked a {$200.00} transaction at XXXX. 
I attempted to resolve with them and Chime categorized my claim as " ATM withdraw - NO funds received '' when it was an unauthorized transaction. 
It took 4 separate calls ( and denials ) to get it recategorized correctly. And finally they have denied me for the XXXX time stating they find " no error occured '' even though I have the texts to show they clearly allowed the suspicious transaction to be processed. 
Chimes fraud team does not investigate anything and instead just attempts to deny responsibility by categorizing claims incorrectly. What investigation team works XXXX? None. 
Don't use chime if you want your money to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am rejecting this response because : they open my investigation on Sunday XX/XX/XXXX & denied my claim in XXXX hrs. Next I provided a police report stating my phone & debit card was stolen. They decided to not investigate & denied my claim in XXXX hrs. I just ask for a fair full length investigation. So I can get my money back without having to go to arbitration Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and equifax have allowed my credit to be pulled 106 times within two months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experiam XXXX and XXXX have allowed my credit to be pulled 106 times within two months

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 2024-01-26 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I purchase my domain names from XXXX. I make annual renewal payments. Firstsource Advantage have been emailing me stating I owe them {$32.00}. I renew my annual payments directly with XXXX. I do not have a pass due balance and I have never authorized XXXX XXXX XXXXXXXX XXXX to have access to my Go Daddy account. I have never signed an agreement with XXXX XXXX XXXX, XXXX. I have never signed an agreement with Firstsource Advantage. I have called and asked them to stop emailing me, contacting me for payments. At this point I feel as if they are trying to extort money from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: DISCOVER BANK
State: MT

Complaint narrative:
Been working to have Discover Bank remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened a Paypal account in XXXX for E-commerce and to make purchases online to avoid putting my credit card on various websites. A couple of years ago, I applied for a line of credit with Paypal Credit XXXX XXXX Bank ), XXXX separate entities. I can access my Paypal account and my Paypal Credit account from XXXX. 

On or about XX/XX/XXXX, I made a tire purchase through my line of credit from Paypal Credit XXXX XXXX Bank ) for XXXX. It was an online purchase with XXXX. The tires arrived at the store and we were informed that the tires were the wrong size. XXXX initiated the refund and gave us a receipt ( attached ). We later discovered that the refund receipt indicated the refund of {$0.00}, ( XXXX dollars ). I logged into my PayPal account and opened a dispute. 

Paypal Credit resolved the dispute ( Resolution letter attached ) and adjusted my line of credit accordingly. However, PayPal is now attempting to collect the same XXXX ( documentation attached ) from me, which they had nothing to do with this transaction. I did not purchase the tires from PayPal, they never gave me XXXX for anything. I purchased the tires using my line of credit. Paypal has a negative balance on my account and they have shut my account down, I have made countless phone calls to Paypal and Paypal Credit to resolve this issue. This has been going on for almost 2 months now. When I call Paypal, they tell me that I need to call Paypal Credit. When I call Paypal Credit they tell me to call Paypal. This is what they tell me to do every time I call. This has been going on every day, all day, for weeks. I have made countless phone calls to no avail. They keep me in a loop while they blame each other. 

Paypal has sent numerous emails demanding this money from me. Paypal has also made many phone calls to me before XXXX am, in the morning waking me from my sleep. I have explained to them that I am a senior citizen and that this process has made me physically ill. I emailed them the Resolution Letter from Paypal Credit, and it has been of no effect. I have talked to countless people at both companies, to no avail. I personally can not resolve this, because there is obviously a system error. I am not sending PayPal XXXX that I do not owe them. As far as PayPal credit, they have resolved the issue and made the proper adjustments to my line of Credit. 

Resolving this issue is beyond me and I can not get Paypal Credit and Paypal to resolve whatever the issue is. I am not sure if this is a scam, and why Paypal is trying to force me to pay a debt that I do not owe them. I am praying and hoping that you can help resolve this nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: NY

Complaint narrative:
This us my second time filing a complaint against this company over 6 months ago I opened a dispute and the associates closed my dispute claiming merchant submitted a refund for merchandise on never received and that was a blatant lie! I showed proof and submitted this to Dave bank and they're still giving me the run around. This bank shouldn't be in business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/XXXX  there was a charge made for the {$1000.00} on XX/XX/ there was another charge for {$1200.00} I contacted credit company and specially told them i did not authorize these charges. 
I was told that i had to speak to fraud department as i did and answered all questions Told them card was in my possession at all times and DID not authorize the use of my card to anyone. They credited my account months went on and no issues. then i was charged backed saying that the chip was used and and i said it must of got duplicated not sure put again i did all that was asked from me and these has been months of wasted time. I have a XXXX credit score so i need this resolved and Help please as Citi has be doing nothing i need real proof

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 2024-01-26 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: MIDFIRST BANK
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 and the privacy act of 1974 states I have the right to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late credit for any purpose.

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Attached to this email, you will find documentation supporting my claim, including a detailed account of the fraudulent activity and a copy of the police report I have filed. It is imperative that you promptly investigate this matter and take the necessary steps to remove the fraudulent account from my credit report. 
my email XXXX and my phone number XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MT

Complaint narrative:
Been working to have XXXX Bank remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.

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