vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I get an alert from XXXX XXXX there a collection in my credit report from XXXX XXXX XXXX XXXX. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!

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 2021-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account XXXX : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 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: ThunderRoad Financial, LLC
State: NC

Complaint narrative:
Thunder Road repoed my motorcycle a couple years ago but theyre still reporting missed payments on my credit report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
Puget Sounds Collect has been reporting 2 collections on my credit file that they do not belong to me. I requested via certified mail validations of the debt with a specific requirements which they did not meet and in response all they send was a letter with a bill in a positive balance and a copy of what it seems to be a bill with a positive balance from a medical facility which is clearly a violation of the HIPPA Law, I also send them a letter certified mail to stop harassing me or cease and desist and they continue to report the 2 collections accounts on my credit file, I noticed they are violating federal laws 15usc1692b ( 5 ) and 1692f ( 8 ) by sending me mail with their company logos and balances stating they attempting to collect a debt which is another federal violation 15usc1692b ( 2 ). they are currently sharing my information illegally by reporting it to the CRA 's because, I never gave consent for any of my personal information to be shared nor this ALLGED debt belongs to me. The amount of the alleged debts are {$740.00} and {$140.00}

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 2021-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
The company sent a letter months back stating I owed them money at which time I called and informed them they needed to contact my attorney as this was settled in bankruptcy. I get another letter today dated XX/XX/XXXX that I have until XX/XX/XXXX to pay them {$7700.00} remaining on the debt. This account was closed in my bankruptcy and it is against the law for them to be contacting me at all in regard to paying any remaining balance on this account. I have already told them once before that they needed to contact my attorney and they have ignored going that route. My bankruptcy was finalized as of XX/XX/XXXX and the vehicle is still taking up space on my property. I converted to CHXXXX in XX/XX/XXXX and they had ample amount of time to say anything to my attorney as well as come and pick up the vehicle. It has been sitting on my property taking up space and getting in the way for 10 months now and I am well within my rights to file a petition with the court to collect fees up to {$10.00} a day for rental space on the property. I will plan on proceeding with this within the next 30 days if I don't hear anything back. I am sending a copy of the letter from Jefferson to my bankruptcy attorney as well as he is within his rights to pursue any legal ramifications in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: TX

Complaint narrative:
Experian supplied my personal information without permissible permission. ( period ) The attached permission was incomplete and even stated incomplete applications will not be processed. However, Experian disobeyed the law and did process by sending my information to crooks to purchase two cars, I complained and received the following reasons, excuses, and pointing the finger back at me from Experian -- -- -- " Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block. '' Overall this is upsetting but more upsetting is that Experian is calling me a liar without any proof. My request was not in error, was not based upon any material misrepresentation, AND I NEVER KNOWINGLY OBTAINED OR POSSESSED ANY GOODS OR SERVICES. 
On the other hand, it is very clear. Look at the attached incomplete application. A XXXX year old can see that the application was not to be processed and my private information should have never been given to XXXX only knows how many people. But is was supplied by Experian for the next step of a forged auto loan.

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 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: TX

Complaint narrative:
Est XXXX Netapend XXXX XXXX XXXX Deposit held for XXXX {$35.00} negative balance on other card was told it would take 2-3 Business days for resolve. Spoke w CSR on XX/XX/2021 after unlocked account was never told account was locked due to negative balance. Fastbfwd 2 weeks account locked unable to access funds from XXXX XXXX Deposit.

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 2021-08-21 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently reviewed my credit report and found an unauthorized inquiry.To my knowledge, I have absolutely no business affiliation nor did I give them my consent to pull my credit. I contacted the credit bureaus on more than one occasion had no success. I also contacted Citi Bank to resolve the matter received no response.

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 2021-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my Capital One credit card for over 5 years and never missed a payment. During the Covid-19 pandemic, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i missed payments, I called Capital One and told them I would be late on payments as the Pandemic had cost me my job due to a state-mandated shutdown. I lost my job right before covid XXXX XXXX, Capital Ones response was for me to make any payment I possibly could afford, and if no payment was made that I could send a hardship letter at a later date to have negative items removed from my credit report. I complied with Capital Ones request until I contracted the virus in which I was hospitalized and suffered physically for months. Once I recovered I contacted Capital One and was told my account was delinquent and has been closed for nonpayment. Despite our verbal agreement during the Covid-19 pandemic, I also discovered that Capital one reported every late payment to all three credit reporting agencies, and I was told no agreement was noted on my account. On XX/XX/XXXX I was told to send a hardship letter to Capital One via mail, I complied, and once again, I received a response letter stating that Capital One does not remove negative items from credit reporting agencies due to hardship. Although the account was closed, I have made payments to bring my account current. 5 years of perfect payment history, on an account that had a credit limit of { {$500.00} } and minimum payments of { {$25.00} } per month, and due to a pandemic that was out of my control Capital One deems fit to destroy my credit, all while ignoring Government policys such as the C.A.R.E.S Act which President Trump signed into law on XX/XX/XXXX, this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances, in which I complied. While Capital One is a large company with billions backing them, I do not believe this should supersede the well being of their customers, at some point large corporations need to be held accountable and comply with laws and policies set forth to protect people from credit demise during pandemics and other monstrosities, we have no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PR

Complaint narrative:
On XX/XX/XXXX I requested my credit report and noticed I had a fraudulent account of Discover Credit Card in the amount of {$8200.00} opened on XX/XX/XXXX reported by XXXX and XXXX which is a result of Identity Theft. I also had two addresses from the XXXX, NY that were not mine. I have never lived outside of XXXX XXXX. These addresses are being reported at the same date XXXX. I filed a Police Report for Identity Theft in XX/XX/XXXX and also made an Identity Theft Report with the FTC. I have sent dispute letters to Discover stating this account was opened fraudulently and also wrote letters to XXXX and XXXX. XXXX  has deleted this account from my credit report, but XXXX keeps reporting it. Discover sent me a validation letter and a statement with the purchases charged to this fraudulent account, but they are NOT MINE. This has caused me XXXX, XXXX and countless nights without being able to sleep. My last resource is with the CFPB to resolve this matter and make Discover and XXXX delete the account from my credit report. This has stopped me from being a First Time Home Buyer and being able to resolve this situation product of a clear Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 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 belongs to someone else
Company: Consumer Credit Services, LLC
State: PA

Complaint narrative:
A job place that I had applied for checked my background information and this information seems to be be very in accurate it must belong to someone else because I never went to jail in XXXX or XXXX nor did I have a criminal background that early in my life this is a huge error and Im very upset to see this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: MAJR Financial Corp
State: PA

Complaint narrative:
I was never 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of XXXX, XXXX and {$830.00} from XXXX XXXXI have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXXI have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 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: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
there inquires are my report that I don't recognize and I did not authorize believe that they fraudulent

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 2021-08-21 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: WA

Complaint narrative:
On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with XXXX XXXX and/or XXXX XXXX, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and TransUnion has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with XXXX XXXX and/or XXXX XXXX : I have personally engaged the US Bankruptcy Court for the XXXX XXXX of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to XXXX XXXX to confirm the original contract a. ) can not be located b. ) XXXX XXXX no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).

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 2021-08-21 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: MAJR Financial Corp
State: PA

Complaint narrative:
I was never 30 days late XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/XXXX I was laid off from work and later following after finally landing a somewhat stable job, Covid-19 happened. My Account XXXX, Dates XX/XX/XXXX until XX/XX/XXXX creating the biggest financial hole. I CONTACTED DISCOVER 2 times to let them know my situation and how i been financially injured.I ask for help but was rejected when i contacted and also sent a letter as i am being denied because of these remarks on my credit.I am writing the complaint as XXXX XXXX XXXX and DISCOVER has refused to remove and account that has been clearly has had previous history of good payment history. I did not receive my unemployment until 7 months later when XXXX XXXX when COVID started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was never 30 days late XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation