vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received an email from XXXX on XX/XX/23 saying a hard inquiry was done on my credit report for an XXXX credit card from Comenity Capital Bank. I called experian and was told I had to contact Comenity. Comenity confirmed someone by a name of XXXX successfully open an account but hadnt made an charges. It was tagged as fraud and closed. XXXX removed the inquiry from my report and I was given a XXXX yr fraud alert protection. Today on XX/XX/23 I received another letter from Comenity saying I tried opening a credit card for XXXX but it was denied, and to contact XXXX. XXXX told me I had to call Comenity. Comenity confirmed the attempt and told me it was denied. I was informed whoever tried opening the account has my birth date, name, home address and social security number. She tagged it as fraud and supposedly is alerting the credit bureau for removal. I made a police report as well and also changed my bank card. I have now as of today frozen my credit with all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have presented several letters to Equifax regarding to my personal information. The seem to have not responded to my letters and having make the changes to my personal information. 
They have my name as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Also they have my work history incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All the address they have are not mines : 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 2023-01-29 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: NY

Complaint narrative:
My credit report shows inquiries that I did not authorize and they need to be removed. 

XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
my PayPal account was permanent limited on XXXX they're permanent limited my without reason. i try to please theme to back my account but they rejected and said there nothing they can do to back my account. my PayPal is very important to me because that's all i have to earn money. please help back my account. i really need my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
checking my credit report I am interested in disputing all incorrect information on my credit with transunion. all data is supposed to be 100 % accurate an is hindering my file for approvals. please update all information requested.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have mailed several letters to LexisNexis on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They have incorrect addresses and names on my report. Those names and addresses are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with Fair Credit Reporting 609, the list of account below has violated XXXX XXXX ACCOUNT NUMBER # XXXX it a charge-off but they reported it as a collection. 
XXXX XXXX XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX it's a collection but they reported it as a charge-off to. 

Also the credit bureau took more than 30 days to complete my investigation.

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 2023-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
They call me on my cell phone number and my business number multiple times a week including up to 3 times in a day on each line for a total of 6 calls in a single day and they are far exceeding the 7 times in a week as the same pattern happens week after week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXX I used the incorrect card to pay for my insurance premium, the insurance company instructed me to file a dispute, and once the billing department got a dispute they would release funds it's how they handle that. Well I called capital one and explained to the 3 world country representative there was a language barrier, they started the dispute and wanted me to charge my other card so I have double the amount on my credit instead of contacting the merchant. I was out the 1.5 % I would have gotten for XXXX they refused to help with the dispute and on the XXXX of XXXX the day my policy was active. I spoke to 2 members of the dispute department and advise me to drop the dispute and they as a courtesy they would credit the XXXX for my cashback well they conveniently have no record of call and credit so I am disputing the entire amount again to get the issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that Synchrony Bank stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.

I never received a notice in writing from Synchrony Bank informing me that they were reporting negative information on my credit report.

Synchrony did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
checking my credit profile ive noticed alot of invalid data that is hindering my credit profile. ive noticed alot of incorrect errors on my credit report. I am interested in disputing all incorrect data on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: MD

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Equifax Credit Bureau Address : XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXX ( XXXX ) a company whose loan products seem to now be owned by XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX, Launch Servicing LLC ( launchservicing.com also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my XXXX credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted XXXX repeatedly and even filed a dispute resolution request online with them. XXXX then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke to XXXX, XXXX XXXX or Launchservicing ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for launchservicing.com. I called launchservicing.com and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( Launchservicing ) had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for Launchservicing.com on my XXXX credit report ). In sum, launchservicing.com puts the responsibility on XXXX and vice versa. XXXX defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my credit score is unfairly and materially adversely affected by the false balance appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: LEXISNEXIS
State: MN

Complaint narrative:
i found out about the unathorized use of non personal information concerning XXXX  without my knowledge i sent actual written verifiable proof that the court did not furnish or know anything about this. 
i contacted lexis/nexis and gave them verifiable proof of this and they are violation consumer laws without giving me a fair and equitable response.i am the living natual consumer and i did not authorize the social security administration verbal or written to share any of my non personal information this is an invasion of my privacy and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with experian. this is hindering my file. all information on all 3 credit reports are not 100 % accurate. please update the information submitted correctly 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 explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I have already filed a complaint earlier but would like to add on as I respond to the response the company gave. I would like clarification on how no HIPAA laws were violated as I never provided my signature to consent XXXX XXXX to disclose any of my information. Additionally, I called stating that my insurance was supposed to have paid in full and talked to a representative about it who said they would " get back to me via phone call '' to which they never did. I have never received any additional calls after that request. XXXX XXXX called me multiple times asking me to verify my insurance to which I did so the fact that this went to collections in the first place is beyond me. Lastly, I never received any mail from the collection agency. You state that it was never returned as undeliverable but this would mean that there was an incorrect address on file which puts in question the validity of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX 30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect

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 2023-01-29 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: IL

Complaint narrative:
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX 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 HARD 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 XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
They are calling all hours everyday of the week. I tried to make a payment they claimed they couldnt accept the payment I tried to pay. They are always foreigners that XXXX cant undo and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: AZ

Complaint narrative:
Have been having major issues with Citi Bank with my credit card since XXXX of 2022. They recently closed my account due to XXXX payment being returned. When asking how do I dispute it they stated to me that I needed to wait for the closure letter in the mail, I stated that I had moved from CA to AZ so can we update my address and resend the letter they stated I need to wait for the letter to be forwarded. That they cant update my name to my married last name nor my address since the account has been closed. Finally I got the letter between XXXX XXXX about the account closure. I went ahead and did what the supervisor told me to do and mail back the letter with my supporting documentation that shows the bank account was still open in which I did the same day I got the account closure letter. On XX/XX/XXXX I called to see if they had received the letter since It had been XXXX weeks and I still hadnt heard anything from CitiBank via, Phone, email or mail. When I called in the representative stated they received the letter on the XXXX the same day I called in and that it will take them a couple of days to review it. I called back on XX/XX/XXXX to see if theyve come to a decision. When speaking to a representative she told me sir you need to wait XXXX calendar days for us to make a decision I told her well you guys got the letter on the XXXX so whats the decision? She then stated that I should have a decision within the next couple of days. XXXX to XX/XX/XXXX I got an email stated they are keeping the account closed since its been to long since the accounts been closed that I had 60 days for the appeal process. I called and talked to a supervisor and they said theres nothing they can do even though I turned in the documentation within the 60 days and theyre the ones who went out of there on 60 day statuette.

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 2023-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies : 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 

Not a single company has responded. So I reached out to XXXX, Equifax, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though USPS on the 1st of each of those months, and I have yet to have a formal Response Via USPS as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted.

( A ) In general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Please account was open fraudulently without my consent. I have contacted the company numerous times to let them know. I did not authorize this account to be open under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I lost my wallet and it had all my information with it in there like my ssn card and my license someone opened a Bank of America account in my name which who I dont bank with just need you guys to put a alert out for me clarifying that Im not opening any accounts 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