vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I have written letters to National Credit Systems to have this debt validated and provide written documents with signatures regarding the issue. I have not received any correspondence regarding the matter the only thing I have received is an updated credit report that claims validation. I know that this is a violation of the FCRA. I'm asking this agency to intervene and remedy this situation immediately. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  an ad was posted on XXXX  for a switch bundle for {$210.00} under the account name XXXX XXXX. I showed interest in the product and they asked if I could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after I had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from depop. I am now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. I have reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX  XXXX to file a claim on a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i had citi card cbna inquire on XX/XX/2018!! 
i didnt apply for any citi card at this time!! 

thanks

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 2020-04-27 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}

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 2020-04-27 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}

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 2020-04-27 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX I Submitted a dispute to TransUnion regarding items on my credit report. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct number XXXX. I submitted this letter in an effort to have this issue taken care of. 

I then received an updated copy of my report with the items still being displayed on the credit report with no proof of validation provided me by the alleged collection agencies. The credit reporting agency claims to have validated the debt with no proof and has simply matched accounts and addresses and claiming they have validated the above-mentioned debt. 

Please find the attached document which is a copy of the updated credit report. I have not received any other documents from the collection agency or the credit reporting agnecy in compliance with the law providing validating documents with signature and agreements. 

According to the FCRA, they have not satisfied the legal standard.

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 2020-04-27 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: CT

Complaint narrative:
Transunion, XXXX  and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 at XXXX ; a fraudulent check for {$4600.00} was deposited into my minor granddaughter 's account at the BB & T bank on XXXX XXXX XXXX in XXXX XXXX The teller ; XXXX XXXX ; took the check and did not put a hold on the availability of the funds. 

On XXXX XXXX ; my granddaughter called me and told me that there was over {$4000.00} deposited into her account ; but only {$640.00} was still available. She told me that she tried to withdraw {$640.00} ; but was told that the check that was deposited was fraudulent. 
After getting off the phone with my granddaughter ; I called my bank here in XXXX, NC. I was told that two ATM withdrawals had been made by the use of my granddaughter 's debit card. I then spoke with my granddaughter and was told that her debit card was missing ; but she had not reported it lost or stolen. I received a call from the bank teller at XXXX and was informed of the deposit and that most of the funds were already taken out. 

The bank teller ; XXXX XXXX ; that had taken the deposit on XXXX ; called me on XXXX from her personal cell phone to ask if I had spoken to my granddaughter. 

I have filed a police report with the XXXX XXXX Police, the XXXX XXXX Police, and the Fraud Department from BB & T. 

Now ; I am being told by my bank that because my granddaughter is a minor ; and my name is on her account ; that I am going to be held responsible to pay her negative account balance of {$4000.00}. BB & T has frozen my checking and savings accounts until this is paid in full. 

On XX/XX/XXXX ; I received a notice from BB & T ; dated XX/XX/XXXX, that the availability of the funds of the deposit were delayed until XX/XX/XXXX. But ; {$4000.00} was taken out on XX/XX/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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Was buying a XXXX XXXX  XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. Credit Acceptance Corp. Shows a XXXX XXXX XXXX Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full

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 2020-04-27 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}

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 2020-04-27 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}

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 2020-04-27 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was offered a promotion for one year interest free financing. I made my payments on time each month in order to meet this promotion. I was calculating that it would be paid off by XX/XX/XXXX ( One year from my first due date ) I paid the full balance on XX/XX/2020 and on my next statement it showed a balance of {$670.00} because they applied the finance charges. I was never notified that the promotional one year financing was set to expire on XX/XX/XXXX. I spoke with several people at XXXX and they told me I should have done a better job of managing the account and there was nothing they could do. Additionally, I was never late and paid on time each month and it was clear by the amount I was paying each month I was attempting to meet the promotional deadline. If I would have know that I needed to pay before my payment due date I clearly would have. So by paying my bill on time I was charged the {$670.00} finance charge. They are refusing to make any adjustments at all even during COVID-19. It is  clear by not notifying me that the promotion was ending 11 months and not 12 months they intended to mislead me so they could charge the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NY

Complaint narrative:
Opened XX/XX/2020 Vance and Huffman LLC requesting debt of XXXX dollars to be paid. The debt does not belong to me, no written notice within 30 days no verification provided of debt, and was added to my personal credit report I am requesting removal of debt from personal credit report as I am not liable for XXXX XXXX XXXX debt. Vance and Huffman LLC have not provided me with any information Within five days of obtaining my information contacted me with written notice of the debt, the amount of the debt the name of the original creditor to whom the debt is owed or a statement describing my right to dispute the debt only added a collection to credit report. Utilized false statements of contractual obligations ruining my credit rating without legal authority to do so and intend to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: CT

Complaint narrative:
XXXX, Equifax and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CT

Complaint narrative:
XXXX, XXXX  and Experian allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.

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 2020-04-27 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from 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 explanation
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from 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 explanation
Consumer complaint received 2020-04-27 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: ID Analytics, Inc.
State: NV

Complaint narrative:
I have two hard inquiries for credit cards from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. I have had my credit cards with XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Was buying a XXXX XXXX XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. XXXX XXXX XXXX Shows a XXXX XXXX XXXX. Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full

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 2020-04-27 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: Netspend Corporation
State: NJ

Complaint narrative:
I received a Brinks Prepaid MasterCard on XX/XX/20, complete with my full name on it, sent to my home address. I never applied for this card, and don't know how the company would have gotten my name or my address. I feel this has been a huge invasion of my privacy. I feel nervous even calling the company in case this is a phishing scam.

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