vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
I currently have an active Charter Communications account and I recently received a letter dated XXXXXXXX  from Amsher Collection Services Inc. stating I had an old balance of {$66.00} owed to Charter Communications. I figured this was a billing error on Charter Communications end, as these charges were not on any statements over the last few years, so I called Amsher Collection Services to dispute the debt. They were not able to give me any information on the debt and what it was from. They told me that I had to reach out to Charter Communications to get information on the debt. I called Charter Communications and they also were not able to give me any information on what the debt was from. I told them it must be a billing error then, because I have had active service with them for years and never once have they informed me of a balance due. I told them I would not be paying it until they could tell me what the balance was from ( as i had returned all equipment ). Even after disputing the balance with Amsher Collection Services, they went ahead and reported the balance to my credit reports and they have refused to remove it. They have only updated it with an incorrect partially paid status. I have called both Charter Communications and Amsher Collection Services multiple times to get this rectified, and they refuse to do anything about it. I informed them that they are leaving me no other option but to file compliants and lawsuits over this, which I dont want to do, but they still refuse to fix the issue. This never should have been reported to the credit bureaus if they didnt verify the debt and send me written notification on what the debt was for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, Im trying to dispute this beacuse I already contacted the collection agency and the credit bureau -Experian previously on couple occasions with this letter : XX/XX/2023 To : Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear Experian, I requested a debt validation for account number XXXX, XXXX XXXX XXXX  for amount of {$570.00} This is what I received from debt collector. ( Please see included paperwork ). List of diagnosis codes for medical procedures but NO HIPPA RELASE FORM. Without a copy of signed HIPPA release form how did they have access to my medical records. Clearly with this my HIPPA rights were violated by this collector because of information they sent to me, and this collection needs to be removed. I never signed contract with this debt collector. 
I also called them over the phone and they initiated re investigations on dates : XX/XX/ However their reply was always : Verified!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: WA

Complaint narrative:
On the morning of XX/XX/XXXX my account was hacked and within 5 minutes I had not even a dollar left. There were numerous transactions mainly from myntra and radiant both companies in XXXX in which I never even heard of. While I was on the phone with the customer service rep for moneylion I was receiving several notifications for declined transactions from the same businesses who fraudulently took money from my account. I had to wait until XX/XX/XXXX for the fraudulent transactions to post. So I filed my dispute. I got a response Tuesday XX/XX/XXXX stating that the investigation is completed and that no error occurred. They sided with the hackers. I am XXXX and homeless receiving XXXX once a month. Why would I spend all of my money on businesses in another country and I have never even heard of? I use my XXXX to pay for a motel room and now I have no money until next month when I receive my XXXX. I didn't receive a provisional credit or anything.

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 monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Said I purchase a car in my name never did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had tried to order a credit card from capital one but had to opt out because I had just recently lost my job. I paid {$65.00} towards it and they've only given me back {$40.00}. In no place or any where did it say if you decide to opt out your credit score will be effected. And they still owe me {$25.00}. 
Another incident that happened with capital one is that they wanted me to pay {$1.00} to get a loan from them and I kept trying to press back on My phone as fast as I could but I didn't understand how they've already gotten the information to charge my account. Which both incidents brought my credit score down when there was nothing in fine print or little print that XXXX bring you scores down and I am very curious as to how capital one had my information the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IA

Complaint narrative:
The amount is XXXX dollars for almost five months and a dispute this collection I don't amount is not mind I am to remove the collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Daily updates on my equifax report is in correct and was told on several days that it would take 72 hours to remove the inaccurate information. That was 3 weeks ago. Ive talked with a representative on a daily basis to get this resolved and they have been no help. At one point the incorrect information was off and on all at the same time??? I need some resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I wasnt notified of this debt nor given the chance to dispute it, before it was added to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: VA

Complaint narrative:
I brought this loan current in XXXX of 2023. At the time the balance was {$860.00} and I paid off over half the balance. In XXXX of 2023 I paid off the remaining {$400.00} or so dollars. This account has been paid off since XXXX and current since XXXX. However, it is now going into XXXX and they are still showing that I am {$860.00} past due!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I brought this loan current in XXXX of 2023. At the time the balance was {$860.00} and I paid off over half the balance. In XXXX of 2023 I paid off the remaining {$400.00} or so dollars. This account has been paid off since XXXX and current since XXXX. However, it is now going into XXXX and they are still showing that I am {$860.00} past due!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I brought this loan current in XXXX of 2023. At the time the balance was {$860.00} and I paid off over half the balance. In XXXX of 2023 I paid off the remaining {$400.00} or so dollars. This account has been paid off since XXXX and current since XXXX. However, it is now going into XXXX and they are still showing that I am {$860.00} past due!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had multiple recurring charges that are showing up on my card and have tried to dispute them but was denied. I have closed the account and the credit card company continues to allow the charges to come through every month even though the account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX - two charges on my XXXX  XXXX XXXX XXXX XXXX XXXX. 
Contacted XXXX right away and they began an investigation. My credit card was than taken over by Comenity Capital Bank. No work from them until XX/XX/XXXX. 
Charges were put back on my card with no explanation. After contacting your agency ( see my original complaint on file ) as well as XXXX, these charges were again put on hold and the interest credited back. My latest bill has interest and fees added-again with no explantion. I have contacted Comenity again as I have with each bill so they know I am not ignoring the charges. I have also been in touch with XXXX corporate office who promised to look into the matter. 

The response you gave is over one month old. If possible, can you ask Comenity for an update on the investigation with XXXX? I have not received any information from either party. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
on XX/XX/ I was notified of a collection on my credit report from XXXX, stating Credence Resource Management LLC has flagged my account for collection. I'm unaware of this issue and it is not my debt. Therefore, I sent out debt validation letters ( certified mail ) to XXXX and XXXX to verify this alleged debt because I don't have any information on this company, nor do I have information on who the creditor is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a capital one account on my credit report that says " charge off ''. The problem is, that before it was charged off I tried to see how I got this account ( I did not open it ) and I tried to pay it off to resolve the issue, but they could never find my information in the system to allow me to pay it off. Whenever I call up there to remedy this and pay it off so it comes off my credit report they can not find the account and XXXX unable to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please XXXX of XXXX remove this 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Venmo is submitting improper cash advance requests to XXXX, resulting in cardholders being charged interest. 

In XX/XX/XXXX I noticed that interest had been accruing on my credit card, despite me paying off the balance every month. When I called XXXX, they informed me that the interest payments were related to {$60.00} sent to my sister via Venmo in XX/XX/XXXX. The representative indicated to me that the {$60.00} had been processed as a cash advance and therefore accrued interest immediately and on a daily basis. I then told the representative that while the underlying transaction was legitimate, I had not authorized Venmo to process it as a cash advance and that I would like to dispute it. The representative informed me that the only way to dispute the transaction was to dispute the entire XXXX amount. Venmo immediately deducted {$61.00} from my sisters account despite the dispute having nothing to do with her. I sent dozens of emails to Venmo and did not receive any substantive response or have the deduction reversed. 

On XX/XX/XXXX I was issued a complaint response form stating that XXXX had upheld the transaction because the services were provided - a fact that was never in dispute. In addition, Venmo claimed I was in violation of the User Agreement because I was paying for goods and services instead of sending funds to a family member. 

I then called XXXX cardmember services and was able to get ahold of someone who could process my dispute correctly, resulting in a credit being issued by XXXX. To my knowledge, Venmo has not yet restored the funds to my sisters account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports

Company response to consumer: Closed with non-monetary relief