vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 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: TX

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express set my due date as XX/XX/2019 which is XXXX XXXX bank holiday so banks are closed. I could not set my online bill payment for that date so payment would be XX/XX/2019. They advised on XX/XX/2019 that I would need to make a phone payment on XX/XX/2019 in order to avoid a late fee and negative credit reporting. They should honor the next business day as the payment so I didn't have to pay a phone pay fee to avoid a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: PA

Complaint narrative:
All 3 reporting agencies have XXXX credit card information stating a charged off account. The information should be deleted as it is a result of identity theft from equifax security breach in 2017. 15 attempts were made and incorrect information continues to be reported which has caused credit refusal, hardship and discrimination. All information was filed wit FTC, CFB and should be removed removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a collection letter from XXXX in reference to paypal account from Synchrony bank paypal that went delinquent. I do have credit accounts with synchrony bank but they are all in good standing. I checked my credit report with XXXX, XXXX, XXXX. 

I don't have a synchrony paypal credit card. Synchrony bank would have been reporting to the bureaus. XXXX XXXX acquired statements from the alleged paypal account with my name and 2 different mailing address, from the years XXXX, XXXX. 

If I would have opened paypal account with synchrony. I would not allow it to go delinquent. I would like this investigated because the last 4 digits in the account number end in XXXX. 

In the validation letter that I received there are 2 different mailing addresses and account number ending in 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 2019-10-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for paypal credit. Got approved thru Synchrony Bank which extends for Paypal. 

I did this credit application to purchase a massage chair from XXXX. 
Chair arrived. Was NOT AT ALL what description and performance claimed. 

I returned it under the 30 days easily. MEssaged merchant from beginning. 
Also arrived scratched. 

Product is from XXXX but was shipped locally from XXXX Calif. 

I returned it with the XXXX shipping label they provided for the 2 separate boxes they sent. 

Tracking Labels box 1 XXXX larger box ) - XXXX Tracking label 2 -  XXXX XXXX came and picked up on XX/XX/XXXX. 

Merchant claims XXXX did not deliver. Not sure if it is XXXX  or Merchant but Paypal credit/Synchrony bank is charging me {$120.00} per month minimum payment on item I returned, that was scratched and malfunctionable. 

I reached out to paypal they wouldn't help me. I reach out to XXXX they said I didn't return item in 30 period when I did. XXXX is claiming they can not locate anymore? 

Not sure what to think or who commited the fraud/error.

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 monetary relief
Consumer complaint received 2019-10-14 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: TN

Complaint narrative:
I've had constant problems with Equifax and XXXX not removing fraudulent information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: GA

Complaint narrative:
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged and removed in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: AR

Complaint narrative:
I have provided Equifax with all the information they need to " block '' the fraudulent account listed on my credit report, yet they haven't. I told them that my information was compromised due to the data breach they caused in 2017, and have provided documents showing that I was a victim of that data breach. Remove the account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i had i checking account with capital one i have stolen 2 checks was cashed it was not my writing on my signature on the checks capital one cleared the checks when i find out that they just gave me very hard timeo get copys of the stolen checks never willing to help me and closed my account i filed a complain against the cashing bank XXXX XXXX after while XXXX XXXX refuse to give me info ( there letter included ) they said i have to file dispute with capital one and here im capital one they are responsible for my money taking away

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I never received notice that this account would be placed back on my credit report, I have previously dispute this account and it was removed off my report.I have no knowledge or do not remember opening an account with XXXX. The account number is XXXX and the amount of this account is {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I disputed a charge with Citi Bank credit card double cash ending XXXX for the amount of {$74.00}. The dispute ID is : XXXX. 

I did not receive the merchandise and after I failed to resolve the matter with merchant, I disputed the charge. 

Citi bank only informed me that merchant stated the merchandise was delivered. However, delivered didn't mean received. The merchant has failed to provide any evidence that I received the merchant. The only reviews indicates there are problems with the merchant 's customer service. 

Citi bank has failed to provide the merchant 's response to me even thought I 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 explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: GA

Complaint narrative:
I have tried multiple times with credit bureaus and consumer to get this fixed they are reporting false information I paid this in full selltlrment that they offered. This should not be reported charge off and that I owe some on this debt can you please get them to fix this on my credit it is hurting me having a reinstated charge off it is not right I did my part now they need to fix it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
I logged onto my Credit report, and I see that I have a debt from " XXXX '' that started:XX/XX/XXXX ; the debt company is located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX ; I contact them and they indicate that's it an account about XXXX XXXX XXXX, yet they can not tell me any details about the debt in terms of what they amounts are for - bill, equipment, months deliquent, etc. In Short, they can not validate the debt. In addition, they tell me the the account has been bought by another debt collector - yet they don't have the number. I try to XXXX the debt collector they told me " XXXX XXXX XXXX '' and it states they are now out of business. 
I am concerned that this debt was 1 ) not validated and 2 ) I never received any written notices whatsoever. 
The debt acct. says acct. no. " XXXX '' and the amount is : {$1600.00} I would like your help to contact them and get this deleted from all ( 3 ) credit  card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: IL

Complaint narrative:
XXXX and Equifax have not complied with the provisions of the FCRA regarding blocking information from a consumers credit report when they have provided all the documentation to support a claim of ID theft. I have provided additional documentation from Equifax that affirm that my information was compromised in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is regarding Wells Fargo Dealer Services and acct. no. XXXX 1 ) This load was a rip off for several reasons -- all loans between XXXX are now part of a Class Action lawsuit from Wells Fargo due to them illegally placing CPI ( Collateral Proection Insurance ( CPI ) on all vehicles despite our aleady having insurance 2 ) They also were applying dollars paid to the interest including insurance and not the Principal, so it makes all payments during this time frame look late for 30 days 3 ) They also went in an placed a fraudulent payment on the account although payments were no made. 
The car was ultimately repossessed due to the exboritant payments and fees

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 2019-10-14 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: IL

Complaint narrative:
Experian and XXXX have not complied with the provisions of the FCRA regarding blocking information from a consumers credit report when they have provided all the documentation to support a claim of ID theft. I have provided additional documentation from XXXX that affirm that my information was compromised in 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 2019-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
There are several hard inquiries on my report that I did not apply for including inquiries on the following dates from the following companies : TWO inquiries from Capital One on XXXX XXXX, XXXX ( I already have a Capital One Credit Card, and I have received several emails about a breach with this company. I never applied for another credit card with them since I already have a credit card with a {$500.00} limit from them ). 

Capital One on XX/XX/XXXX ( This is when I was initially approved for the credit card that I currently have with Capital One. However, I was approved for this, so it shouldn't be under hard inquiries ) XXXX on XX/XX/XXXX ( I have never heard of this bank in my life, and I did not apply for a credit card at this time. ) Dept. of Edu on XX/XX/XXXX ( No loan was submitted through the Department of Education. XXXX XXXX  had me go through XXXX, which is a different institution. 

XXXX Fce on XX/XX/XXXX ( I did not apply for a credit card with this bank. I am attending XXXX school online here ; however, I did not apply for a bank account or credit card with an institution that is not even in my state ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 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: Mercedes Benz Financial Services
State: WA

Complaint narrative:
I felt coerced. I did not authorize these inquiries regarding my credit report due to inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i was checking my credit report and see i have a capital 1 credit card on my closed credit but iv never had a credit card in my life nor did i open one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: TX

Complaint narrative:
Even though Equifax have removed most of the fraudulent information from my consumer report, and even though they have VERIFIED TO ME that my information was involved in their data breach of 2017, they have not removed the last student loan account from my report and it is preventing me from recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
The following Debt is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Mercedes Benz Financial Services
State: WA

Complaint narrative:
The information provided on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of XXXX. The additional information submitted comes from XXXX   acknowledging their egregious behavior regarding safeguarding my personal information.

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 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of Equifax. The additional information submitted comes from Equifax acknowledging their egregious behavior regarding safeguarding my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following account is fraudulent and was deleted previously from my Equifax credit report : XXXX XXXX XXXX, the account is fraudulent and was previously deleted from my credit report, but has reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: AP

Complaint narrative:
A collection account was opened unknown to me. 
Afni Opened XX/XX/XXXX for the amount of {$220.00} with the Original creditor : XXXX XXXX XXXX. 
My husband is XXXX XXXX military and in XXXX we moved to XXXX for his duty assignment and still live here to this day. I've had absolutely no interaction with the collector or creditor and have never done business with them either. These accounts are unknown to me and I'm disputing to have them verified, validated and if not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I purchased 3 - {$100.00} dollar google play gift cards with my credit card at my local XXXX store on XXXX XXXX 2019. I purchased them originally for my daughter who later I found out owns a XXXX device and not google. Unfortunately, gift cards are not returnable so I decided to try and sell them to someone else at a small discount due to I wanted to recoup at least some money from my mistake. Well, google trigger a possible fraud alert on my 3 gift cards and for whatever reason they will not re-activate my gift cards. I sent in pictures of the cards, receipts and even my bank statement and I get these automated responses from their representatives but no response from this mysterious back office. I find this ridiculous and unacceptable that this big corporation can just hold my money hostage as I already established who owns these cards and who purchased them. I request the CFPB take injunction action immediately and file a formal complaint on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There is a hard inquiry for XXXX Florida I have no idea what it is!

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 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PR

Complaint narrative:
National Credit Systems Collection Agency have reported to the credit bureaus a collection account that does not belongs to me. 

I was in XXXX in Puerto Rico from XXXX thru XX/XX/XXXX and this debt is dated XX/XX/XXXX. There is no way I can rented an apartment while been XXXX. 

The debt creditor is XXXX XXXX XXXX for the amount of {$2100.00} and the collection agency is : National Credit sysytems XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am trying to get everything straight with my life, getting things done in a responsible way and do not need negative things to stop me to achieve my goals This collection agency refused to remove this debt which does not belongs to me.

Company response to consumer: Closed with explanation