vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: GA

Complaint narrative:
I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Just open a XXXX credit card. Got my first bill paid it, second bill never came never got the card, I called noone answers. 

I went to different stores the all tell me to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
RTR Financial Services at XXXX keep on calling my number and playing the recorded message to give them a call back. I thought it was a fraud then blocked their caller id, however, they continued to leave a voice mail. When I try to call back, they never answer but ask me to leave a voice mail. This seems very shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paxful Holdings, Inc.
State: OH

Complaint narrative:
I friended a woman on XXXX  who introduced me to a trading platform called Paxful ( Paxful Plus ). I transferred a small amount of money there initially in XXXX I believe ( {$5000.00} I think ) and started options trading with the direction of her. I was making decent returns, so I invested more and more. All tolled, it was about {$51000.00}. My profits continued to grow and grow. My current balance is about {$290000.00}. I went to withdraw my funds and was told I needed to pay a withdraw fee of 16 %. At the time that was {$39000.00}, which I sent to a third party company in CA, which I can provide later. After a failed attempt to get my money out via XXXX I told them I wanted it to be transferred in USDT. They said there is an additional 7 % fee for that. I was irate and pushed back. They wouldn't budge. I said ok, then I only want to withdraw {$160000.00} and so the {$39000.00} withdraw fee I've already paid will cover the 23 % withdraw fee. They wouldn't allow it and said all funds must be withdrawn. And basically that's where we are now. 

I have a cell phone number for the woman, but we have almost exclusively communicated over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a request to block fraudulent information from my credit report on XX/XX/2022 along with a FTC report advising my identity was stolen and used to open accounts that I did not authorized. This company failed to block this information even though the proper documentation was provided. I am being told this information has been verified without a proper investigation being completed. These companies that they say I owe does not have my signature on any documentation, and I have not been provided with any any proof of such. My consumer rights have been violated and I am unable to apply for certain credit accounts for myself due to this issue.

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 2022-07-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citis Best Buy Visa Card wont process my Scheduled Auto Payments on the XXXX  day of the month, regardless of them sending me notifications that my payments are SCHEDULED. They simply IGNORE THEM, LET THEM SLIDE PASSED the due date. When I ask them WHY, all I get are vague responses on how to use the features on the site, instead of reason for IGNORING THE SCHEDULED PAYMENTS!

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 2022-07-08 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: CBC Companies, Inc.
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX, XXXX ; XXXX XXXX ; XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2002 I paid off the balance on a Capital One Credit card ending in XXXX. The same day I received a payment confirmation from Capital One showing the payment and payment method with a confirmation code of XXXX. On that payment confirmation it states " Your payment will be on time. No additional payment is required. 

On XX/XX/XXXX, I received an email stating that I owed {$26.00} for " Interest Charges : Purchases. As can be seen in the documentation, there were no purchases since the time of full payment. 

On XX/XX/XXXX, I called Capital One to discuss this charge. I talked to a person named " XXXX '' whom I believe was from overseas. I strongly expressed my anger at being charged for the time after the payment was made. I was put on hold 3 times and finally was told there would be no waiver for the fee granted. 

I explained to her that if I were to write a check for this amount, there would be another bill for more interest since it is charged daily. No comment back was received I'm XXXX XXXX XXXX and believe strongly that their practices are taking advantage of most seniors who would just pay the bill and get on the merry go round. I have no intention of paying this amount and told them this several times. They were also told I would be filing this complaint. I have documentation. The card was cut up and disposed of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-07-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-08 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have disputed multiple times with XXXX concerning the collections account being reported on my consumer credit report from National Credit Systems INC. In lieu of the disputed information, XXXX willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( USPS ) requesting a written validation notice requesting the original contract with my signature for an account with National Credit Systems Inc. XXXX willfully failed to delete the disputed information as requested. 

Furthermore, National Credit Systems Inc. violated my FCRA rights by intentionally returning the certified USPS written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
Got initial notice from XXXX XXXX saying there was a credit check done by XXXX. then received a letter from XXXX that this request was determined fraud and they closed the account. 
Account number that was created : XXXX XXXX caught this was fraud and closed the account to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently disputed an account that is listed on my Equifax credit report, but Equifax continues to claim that it is my account, even after an " investigation. '' I have tried to contact the credit card company directly ( XXXX XXXXXXXX ) but can not get through their system because I don't have the full account number and they don't recognize my SSN ( because it is not my account ). I was unable to get through to a live person at XXXX XXXX. The account that is listed on Equifax has a balance owing of {$7600.00} and a credit limit of {$14000.00}. It was opened XXXX XXXXXXXX XXXX Payments on this account are being made by someone, not me. I want the account removed from my credit report and I want XXXX  XXXX to clarify/correct the contact information so it does not get mixed up again. I would also like to know how this error happened and if it is someone who shares my same name, or what exactly has caused the error. Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: PA

Complaint narrative:
Every month of 2022 I have notified both TRANSUNION and the creditors that the accounts are not my accounts and was open fraudulently with out my consent. I provided evidence and documentation multiple times each time trans union did not accept my documents because of color as i was told by customer service multiple times TRANSUNION has police report also. I requested a proper investigation and validation be done all was pass 30 days i have not received a response or update with deletion of inaccurate derogatory marks being reported by TRANSUNION.

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 2022-07-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I currently am paying off a XXXX XXXX through Comenity Bank/Bread XXXX and recently they did something that does not allow me access to my online account for payments, retrieving online statements or even speaking with an actual human being over the phone. My concerns have just been met with were sorryxyz excuse.. via social media posts. I can not pay over the phone as the card has been destroyed since they stopped taking it in 2020 and all of my statements were online. According to the hundred of other people complaining on social media, even IF I got through they are charging a {$9.00} processing fee to take the payment. As of today my payment is now 5 days late and I have never had a late payment.

Company response to consumer: Closed with monetary relief