vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-22 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Unauthorized charges arbitrarily and repeatedly have been made by the XXXX  company to my accounts. XX/XX/2018 is the most recent unauthorized charge. Affected accounts are listed below : XXXX XXXX Credit Card XX/XX/18. XXXX. N.Y. {$41.00} XXXX XXXX has indicated the charge will be removed and the XXXX company will be blocked from access to my account.

XXXX XXXX Credit Card XX/XX/18. XXXX. XXXX. N.Y. {$41.00} XXXX XXXX provided to my account in the amount of {$41.00}.

XXXX XXXX XXXX XXXX XXXX Checking Account XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$50.00} XX/XX/18. XXXX. XXXX. N.Y. {$10.00} XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$60.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XXXX XXXX XXXX XXXX XXXX resolved my dispute of these unauthorized charges by providing the appropriate credit for the charges and applicable interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX did their part and either updated or deleted where Equifax has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and Equifax on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor American Physicians who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. Equifax is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX  XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX-XXXX-XX/XX/14

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.Capital one has not resolved the issues yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Global Media, Inc.
State: NC

Complaint narrative:
I needed some emergency money to pay off bills and I was sent a email regarding a loan offer and I reply and weve been communicating through email, phone, and text and It got suspicious when they said they would send me the money and I would need to send it back and I researched and found out they a scam and I havent returned the money and changed my mobile password, and blocked them what should I do? I dont want to be a victim and I didnt know till after I got approved call me if need be XXXX or email XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-12-22 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: The Thomas Agency, Inc.
State: GA

Complaint narrative:
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under Thomas Agency. They violating Fair credit reporting act and should be held accountable

Company response to consumer: Untimely response
Consumer complaint received 2018-12-22 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: Credit Service Company, INC
State: GA

Complaint narrative:
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: HI

Complaint narrative:
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: HI

Complaint narrative:
I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: HI

Complaint narrative:
I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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 2018-12-22 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: HI

Complaint narrative:
I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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 2018-12-22 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: TN

Complaint narrative:
I have been sending letters to the credit bureaus for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX  XXXX ... Step up CFPB and remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: TN

Complaint narrative:
I have been sending letters to the credit bureaus for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX  XXXX ... Step up CFPB and remove it from my 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 explanation
Consumer complaint received 2018-12-22 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 am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: OR

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX   ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX ( Original Creditor : XXXX ) XXXX, XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: OR

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have two credit cards with Chase, ending on XXXX and XXXX, and Chase just closed both of my accounts without proper reasons, accusing me in misusing rewards, which I have not used at all. Besides that, Chase listed three other closed accounts which I don't have at all, ending on XXXX, XXXX, XXXX. I have no idea why Chase closed my two accounts ending on XXXX and XXXX, and sent me a letter explaining that they closed three other accounts, ending on XXXX, XXXX, XXXX because of rewards misuse, and you can see from my reward activity, that they were not used at all, at least for the entire XX/XX/2018 year. I'm legally XXXX, and I get very XXXX  when I get harassed with false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: Creditors Bureau Associates
State: GA

Complaint narrative:
Creditors Bureau Association {$860.00} and {$700.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/18 Wells Fargo Bank reversed a promised final credit of {$69.00} for purchase of non received merchandise -claim # XXXX for debt card ending in XXXX. 
This is a deliberate attempt to make my account balance negative & create NSF non sufficient fund fees for future transactions.

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 2018-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
[ XXXX ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : XXXX- This revocation applies to any and all future debits. 



Sincerely, XXXX 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 2018-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX is sendjng me denial lettera of inquiries i never made - then sent another that my dad did get approved for butnsaid they needed his deposit that thwy nwver received it and lied untik my dad threatened them then he got card within 2 days ... i have a bunch of

opened XXXX XXXX cards in good standing but i never opened them or paid them and alot of recent medical bills are hurting me ans i never went there .. i wrote XXXX XXXX with one of the complaint forma ans ... i just need an auto loan but i dont know whats affecting me from getting ome when i make great money i sent both letters of fraud to XXXX XXXX along with a complaint form that i will sue if they keep reportjnf incorrectly .. XXXX XXXX and XXXX XXXX opened in XX/XX/XXXX i never opened the type says debt buyer and creditor XXXX - and they havw NB by everything .. thats a big hit .. i havent contacted them dont even know who to contact ..balance started at {$1400.00} and charged off at {$1400.00}. midwest recocery same thing never went balance started ar {$1000.00} and has ND and CO at  {$1300.00} that one is a medical bill someone must have went in as me not sure - that says XXXX XXXX ..is also right under it a high balance medical bill i never went to i have always had insurance ... and now i just got out of XXXX  my car got stolen and i was involves in data breach with XXXX  many years ago and i havent used or meedes to use my credit in almost 10 yeas and i go apply for a XXXX XXXX XXXX   and found out about my bad credit and i am a XXXX XXXX it was embarassing - please help me get an auro loan. i have disputed them with XXXX  waiting on answer back and i sent via mail with id social and another form of identificarion ... XXXX this is also prevenjng me from joining XXXX who ny whole family banks with plz help - i am XXXX  have a bad XXXX XXXX record but i need a car because im trying to finish up a XXXX  in XXXX XXXX.

Company response to consumer: Closed with explanation