vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a credit card with XXXX XXXX  for a XXXX XXXX. I charged a {$40.00} to this card number online. Gap instead charged a new account that they opened in my name with Barclay 's bank. Barclay did not send me the credit card and refuses to send me a card, and says that if I don't pay this bill ( without an account number ) by XX/XX/22, they will charge me a late fee and interest, and that I must give them my bank account ( checking ) account number, social security number, address, birth date, and everything they need to steal my identity. Barclays will not actually give me the account number so that I can pay my bill myself. XXXX will not move the charge to a different card. ( XXXX ) I never agreed to open a credit card with Barclays, ( XXXX ) I never charged anything to the Barclays card ( only to the XXXX card ), and ( XXXX ) both Barclays and XXXX refuse to give me the account number or to remove the {$40.00} unless fees are paid under a blank check. 

The XXXX account ends in 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 explanation
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
On XX/XX/2022, I filed a dispute with Equifax about an authorized user account of mine that had been closed and charged off, by XXXXXXXX XXXX XXXX However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. 

I have tried asking XXXX to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with XXXX. 

I have also tried telling Equifax on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. 

I will be disputing with Equifax once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/2022 I made a second payment on my credit card in the amount of {$570.00}. My available credit balance was not increase to reflect my true available balance until yesterday. 

After calling and speaking to three customer service agents at Discover, I was given false information when I was told that XXXX XXXX was holding the money that I paid to Discover via my checking account. However, yesterday I finally spoke with XXXX, a XXXX  with Discover who gave me great service and gave me the truth. He then referred me to the department that was responsible for placing an eight ( 8 ) day hold on my funds. No explanation was given to me as to why an 8 day hold was placed on my funds so that I did not have access to my funds that I paid. The representative who I spoke with told me that my payment was flagged for verification but she did not tell me why. Also, I was never notified as to my money being held for 8 days. 

Because I check my numbers and accounts everyday I was aware of the hold and my available balance not increasing for 8 days. No credit card company or financial institution should be allowed to do this to a consumer who pays their bill on time with an explanation. Therefore, I am filing this complaint against Discover card for suspicious behavior that could have caused me great harm had I been in a situation where I needed my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please 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 non-monetary relief
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please 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 2022-06-25 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: AES/PHEAA
State: NV

Complaint narrative:
I DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Richard J. Manning, Jr.
State: PA

Complaint narrative:
I received a collections letter dated XX/XX/XXXX from an Attorney Richard Manning Jr. of XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts. This is not my debt. 
My mother passed away on XX/XX/XXXX, shortly before she passed unknown to me coerced and seriously ill she had placed my sister XXXX on a joint account held in my name and my mothers name ( XXXX XXXX ). This was done behind my back without my consent, knowledge or permission. 
The credit union called me shortly after my mother passed and stated funds from a social security check direct deposit were missing and needed to be returned. I informed them I had not made any deposits or withdrawals, lived in PA so whom did they give the actual money to. The credit union representative stated they checked the withdrawal and XXXX XXXX XXXX actually was given the account funds and she also closed the account. I informed them that was a theft of monies and of a social security check and I had not taken or received any funds from that account. The representative stated they would take up the matter with XXXX XXXX XXXX and the account had already been closed also by XXXX. I informed her I had received no notice from the credit union XXXX was placed on the account I had received no notice she was closing the account. Now I am being placed in collections when I was victimized by the banking practices of the credit union, even though I notified them of the theft of monies from my mothers account was not authorized by me. I received no notifications, calls ( cell number the same as when they called me in XXXX ) and this is the first of notices I am expected to repay an amount owed by someone else who committed social security check fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the XXXXday mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the XXXXday mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.

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 2022-06-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
At the end of XX/XX/XXXX, I called up Macy 's customer service to ask for balances on 2 gift cards that I had not used for a while. I was given the amounts and told that the cards were put in suspension because of lack of use. They advised me that if I provided contact information and copies of both sides of the gift cards, that they would unfreeze the cards within 30 days. I provided this information on XX/XX/XXXX via email which Macy 's acknowledged. On XX/XX/XXXX, I again called ( XXXX ) in customer service as my gift cards were still frozen as of that date. I was told to again submit the information that I had done previously and received a confirmation of receipt from Macy 's indicating that they will review the data and process accordingly. On XX/XX/XXXX, my cards were still frozen so I talked to XXXX in the Resolution Specialty Department at Macy 's who had me resubmit the information again and who specified my cards would be unfrozen by XX/XX/XXXX and that she would make a point of calling me back that date to verify it. She has not called me back. On XX/XX/XXXX, I spoke with XXXX in customer service and she again told me to resubmit the information that I had already submitted 3 other times. She advised nothing can be done without this submittal. I advised her that I will take it up with the appropriate government agencies since I could not understand how a worldwide known corporation such as Macy 's would not have the ability to put in place procedures that would comply with the laws of California. As more and more people use gift cards rather than cash, this is virtually stealing from those who buy their gift cards.

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 2022-06-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2022, I filed a dispute with XXXX about an authorized user account of mine that had been closed and charged off, by Barclays Bank Delaware. However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. 

I have tried asking Barclays to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with Barclays. 

I have also tried telling XXXX on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. 

I will be disputing with XXXX once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.

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 2022-06-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Please edit the prior. XXXX opened a credit card for me with Barclays without my permission. I didn't get the card. Someone then charged on XXXX days, XX/XX/XXXX and XX/XX/XXXX {$64.00} on the card. Barclays won't share the account number or the statement with me. They emailed me to pay the bill. I can't pay online without an account number, so I called them. That's when I learned that these don't match any purchase that I made with XXXX XXXX or XXXX, as my last order was on XX/XX/XXXX for {$40.00}.

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 monetary relief
Consumer complaint received 2022-06-25 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2022-06-25 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never done business with this company & there reporting false & misleading information on me. I've contact them via email. Nor have I sign a contract or ever done business with this company. It's affecting my housing & stressing me out.

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