vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 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: MI

Complaint narrative:
I have 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have 10 fraudulent addresses I wont removed XXXX XXXX Bank - 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 XXXX, XXXX * XXXX XXXX XXXX, MI XXXX * XXXX XXXX XXXX XXXX XXXX, MI 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 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX my credit monitoring alerted me to my social security number appearing on a credit application for Capital One Card. I of course believed it to be fraud as I have not ever done business with Capital One or completed any applications of any kind with them. 

On XX/XX/XXXX a credit monitoring representative and I contacted Capital One 's fraud department to indicate that there was a fraudulent application submitted with my social security number. The representative we spoke to stated they believed it was XXXXnot ' fraud, and instead stated that the applicant had simply 'mistakenly ' entered my social security number on an application with their name and info. The representative indicated that this was likely a mistake because other documentation in their possession showed my social security number and the applicants were 'very close ' to one another i.e. 'one digit off '. 

However, the fraud department indicated at that time that a credit account was created with my social security number in the applicant 's name ( note mine ) and that credit had indeed been issued to this person since it was not 'technically fraud. ' When I tried on XX/XX/XXXX to close this account or remove my social security number, I was told by Capital One that I could not do this despite the issue of my social security number, because 'my name was not on the account '. 

Subsequently, I tried on XX/XX/XXXX to once again rectify this situation with Capital One account specialist. After once again confirming my identity and providing my social security number, Capital One reiterated that they could not assist me further because I am not named as an account holder. Likewise, and problematically, Capital One also refused to answer whether or no my social security number appeared on any accounts or applications for the same reason, citing account privacy. They stated they only had the ability to search 'by name ' and my name was not returning any results at this time. 

Capital One should have never issued credit to anyone by any name with my social security number and should have denied the initial application if and when the applicant made an error. Now, they refuse to admit and correct their mistake by closing the account. Furthermore, they are stonewalling me because the account they mistakenly opened doesn't have my name on it. Meanwhile, this account holder could be borrowing against my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2023-02-19 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXX of XXXX I ordered a pair of boots from your website that resulted in a charge of {$85.00} on my XXXX XXXX account ( # XXXX ). The boot did not fit and was promptly returned. I received an email confirmation indicating the return had been processed. 
Since I received the confirmation, I did not pay the bill that was due on XX/XX/XXXX. As a consistent online shopper, the return confirmation issues a credit that erases the bill. I received a bill due on XX/XX/XXXX indicating a credit of {$68.00}, a return fee of {$10.00}, and a late fee of {$30.00} plus an interest charge. I called multiple times ( I was hung up on by two different associates ) and while transferred to multiple people with no resolve. While I have issue with the return fee, Im willing to pay it since it is apparently a new policy of yours. I was told that I would be credited the late fee. Ive since received a bill that was due on XX/XX/XXXX with an additional late fee of {$37.00} late fee and additional interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 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: MI

Complaint narrative:
I have 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have XXXX fraudulent addresses I wont removed 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, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, MI XXXX * XXXX XXXX XXXX  XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MD

Complaint narrative:
The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX XXXX  XXXX XXXX account # XXXX XXXXl XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MD

Complaint narrative:
The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2023-02-19 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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 a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it 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 credit plan as late of 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 2023-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent Accounts and Inquries appearing on 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 2023-02-19 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: GA

Complaint narrative:
I file a dispute with Experian about the information that they was reporting about a PUBLIC RECORD in my profile. The credit reporting company replied that the information was verified and certified by the reporting company XXXX XXXX. Yet prior to filing the dispute with Experian the reseller of the information sent me documentation that the information has been removed from my file with Experian. How can this information be accurate if the reseller has certified with me its removed, and certified with Experian that its true. Unless Experian never took time to do a thorough investigation. Which puts them in violation of FCRA REGULATIONS 15 U.S. code 1681e compliance procedures. I have attached the document from the reseller to this complaint.. This info does not meet METRO2 compliance standards ( its not me ) and must be removed.

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 2023-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
Its about a medical bill that was already paid by my health insurance company. 

I sent complete details about this debt issue too the insurance company. 

I have been calling since this issue of a bill started. 
I have XXXX and XXXX and this bill was covered. 
I keep getting the runaround from the hospital itself stating that it was paid. 

I have been trying too get this bill fixed and it is frustrating. 
I keep getting the bill and now its in my credit report. 
I dont know what else to do in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX # XXXX. Account name : XXXXXXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent Accounts & Inquiries appearing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Last year I got scammed. I was trying to sell my shoes on online platform and scammer counterfeit to buy a shoes. They asked for my name, address, and phone number so they can send the check to my address. I gave all that information to them, until I realized it is a scam. I filed a complaint immediately with the federal trade commission. XX/XX/2023, Credit Collection Services sent a letter to me, saying that I owe XXXX XXXX XXXX XXXX XXXX I don't even know the company. I just opened a mail from Credit Collection yesterday because I moved out for my college and my mom comes to visit me on my birthday so my mom brought the letter to me. I don't know what to do. I don't want this to be affect on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
First, how can you close a case without the main solution? I STILL CAN NOT LINK MY XXXX ACCOUNT TO PAYPAL!!! 

This is my third complaint within the month with PAYPAL I discussed this with XXXX  and determined the issue was with PAYPAL, and yet I receive a long response from XXXX  that does not solve the base problem. I have had my XXXX bank linked with PAYPAL for about twenty years. this was investigated and found no faults or issues with my account. PAYPAL upgrades and deletes my account. No matter how many times they notify me that that has happened, until they allow my bank account to be linked, the problem will continue. 

PAYPAY has my banking information. UNLESS THE RESPONSE IS MY ACCOUNT IS LINKED, I WILL CONTINUE TO SUBMIT COMPLAINTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: EAST WEST BANK
State: GA

Complaint narrative:
My checking account has experienced check fraud and now an electronic withdrawal that is unrecognized, unauthorized, and fraudulent. On XXXX, {$1200.00} for XXXX XXXX ' was automatically withdrawn from my account. I do not know the company and do not know what it is for and I never authorized such. I informed my bank as soon as I noticed this unauthorized and unrecognized charge and filled out the paperwork that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Going through XXXX, I had problems making my monthly payments and did reach out to Barclay for some assistance, but they didn't want to work with me. I finally went through XXXX XXXX trying to consolidate my debts and they negotiated a payment plan for me with Barclay 's collection agency XXXX XXXX XXXX. The last payment was submitted last XXXX and up till now they have refused to take off the comment that I have still been delinquent and that the account is in Collections! I have talked to XXXX and they have confirmed all was paid 6 months ago and sent me a letter of confirmation which I will be happy to submit and suggested that I contact Barclay directly. I spoke with XXXX in Customer Service at Barclay who indicated that I should be talking to XXXX directly since they do not show payments submitted!!! I called XXXX back and they confirmed that the check was cashed on XX/XX/2022 and that they need to remove their remark. As you can see, I have been going back and forth trying to have this remark removed without any luck! Could I please request your assistance in having them remove this item so it can rightfully reflect so on my credit report with the 3 reporting agencies. 
Thank you in advance. 
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 explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Tried to call navy federal credit Union about the account and they said to file a dispute and there was nothing they could do to help me since the account has already been charged off. Someone had my information and opened a credit card for XXXX in my name and maxed it out, leaving me with the debt. I can not afford that and it doesnt belong to me. I was a victim of defraud or identity theft. The date the account was open was back in XX/XX/2021. I was unstable at the time and didnt have a working phone so I couldnt report it at the time. I dont have the contact information or any information on the person at the moment who did this. This individual might have posed as me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation