vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 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: DISCOVER BANK
State: NC

Complaint narrative:
I applied for a secured credit card with Discover Financial Services on XX/XX/XXXX and was approved. On XX/XX/XXXX the account was opened. On XX/XX/XXXX I was sent an email requesting my signature for IRS Consent form XXXX Then on XX/XX/XXXX I received an email saying my account was closed because they were unable to verify personal information. So now as I am rebuilding my credit I am set back even further with a closed account on my report. The 4506-C clearly should have been sent before the account was opened. Additionally, when entering my income in the credit application there is no mention that they may ask for tax information from the irs. I think they should be more clear to the consumer that it is very probable that they will request a 4506-C after the account is already opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " XXXX XXXX XXXX XXXX XXXX XXXX '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ordered a laptop in XXXX and I never received it. I told best buy that I didn't receive it and the tracking reflects that It was mis-delivered. They refused to help me so I filled a billing dispute with the Best Buy Store Card. After months of it being worked on they dropped the dispute by saying that my card was reported missing. I DID NOT call in and tell them that I lost my card by any means. By them doing this, they have mis-handled my dispute and effectively locked me out of being able to dispute the charge again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XXXX XXXX, 2021, I was contacted by Detective XXXX of the XXXX  Police Department. Detective XXXX advised me that he had arrested an individual and that that individual had in his possession a false photo identification card, a Well Fargo card, a XXXX XXXX card, and a XXXX  XXXX XXXX card with my name of them. Detective XXXX also advised me that the individual had all of my personal information, including name, address, DOB, SSN, mother 's maiden name, phone numbers ( cell and home ), employment details, credit history, and mortgage papers. I then contacted the above noted banks and credit card companies. I also contacted the banks, XXXX XXXX and XXXX XXXX, who are listed on my credit report as having made inquiries. I also notified all three credit bureaus. There were numerous unauthorized transactions on my bank and credit card accounts, including a XXXX ATM withdrawal from my Wells Fargo account on XX/XX/2021 and THREE ATM withdrawals from on XX/XX/2021. There were also fees for each of these ATM transactions. In addition, there were two ATM withdrawals on my XXXX  XXXX XXXX account. All of the banks and credit card companies involved have credited my account for these unauthorized transactions ( or advised that they are going to do so ), except for Wells Fargo ( who says it is still investigating ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for a card with Synchrony Bank to purchase furniture from XXXX to furnish my new home I just purchased on XX/XX/21. When i submitted the application I was provided a message to give them a call and to give them Reference Number : XXXX. I called and the rep stated to upload my ID on a website that was provided to me. The phone got disconnected. 

The website is horrible I took a picture of my IL Drivers license the front 3 times finally it accepted. Then I took a picture of the back once. I was instantly denied. I instantly called back and the rep was like let me talk to the manager, within 2 minutes he's like you're denied. In my mind is how am I denied when I just bought a car ( XXXX XXXX ) {$47000.00} a home {$230000.00}. 

Today I received an email and basically they denied me because they couldn't verify my identity. Today is XXXX XXXX and I wanted to get the sales on the furniture. What's more alarm regarding this shady creditor is they denied me and didn't run my credit, I have no inquiries on either one of my credit bureaus. On top of they don't provide you with a phone number on the letter only to mail them a rebuttal to the letter. 

I called back today and got a nice young lady, I explained what happened and she offer to get me some help. She transferred me to XXXX. I said since I was denied due to my identity can't be verified can I take my credentials inside a VCF and let them send it to you. He stated no and no need to apply again because since there's an application already in they're going to go off of this application. I told him that it didn't make since and I would file a complaint against them and then he asked me to place me on hold. He came back and stated that he gave me some misinformation that I can apply as many times as I'll like. Still shady. I'm making you aware of my experience with Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2021. Citi Bank falsely attached someone else 's credit report to my account, resulting my credit card limit was lowered significantly. Contacted Citi rep on XX/XX/XXXX, XXXX she's rude and refused to help me correct the error and ask me to contact the credit bureau. 

Citi XXXX  score showed I have a score of XXXX with delinquencies and high credit balance In fact on XXXX website showed I have a score of XXXX with no delinquencies and with less than 5 % total credit utilization. 

This error has and will affect my real 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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
South West Credit Systems or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
on XX/XX/XXXX & XX/XX/XXXX I noticed 2 inquiries from XXXX XXXX XXXX XXXX XXXX. I keep track of my credit inquiries and lost my state ID in XXXX so I know this is identity theft. I have since locked my report and the reporting bank is telling me I can not have these items deleted! The 3 credit bureaus won't help and is bringing me to fight 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 2021-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I was never provided with the interest rate of loan only a told amount to pay off after attempting to contact company I was told that it would be at 147 %. I was also not provided a statement or any forms to make repayment since that time company has reported late on my reports and has damaged my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Hello I am writing this complaint because I Have reached out to ACCOUNT RESOLUTION SERVICES with a Debit Validation Letter on XX/XX/2020 asking for What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Date of alleged services List of services/procedures performed Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide a copy of my signature from the provider showing my request to release information to you Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
the letter was Delivered : Wed, XX/XX/XXXX, XXXX XXXX. 
the sent me a letter in Letter some time in the beginning of XXXX with a bill attach witch is not wat i asked for so i sent them a Failure to Validate letter asking them to provide me with This letter will AGAIN request that you follow the FDCPA and please provide -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expect to receive the proof requested above within 15 days of this letter. it has now been well over 15 days and still this company has not taken this debit off my credit. 

attached will be sample copies of what I sent them to comply!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Capital Accounts, LLC
State: MD

Complaint narrative:
Upon reviewing my free annual credit report ( through XXXX ), I noticed an incorrect collection from a company named " Capital Accounts '' : Account Name : CAPITAL ACCOUNTS Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$70.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$70.00} Terms : 1 month On Record Until : XX/XX/XXXX Under historical info, the original creditor is listed as " XXXX XXXX XXXX '', giving the following contact info : Address : XXXX XXXX XXXX, XXXX TN XXXX, Phone number ( XXXX ) XXXX. 

This information is incorrect. I have never used Capital Accounts and have never received any information related to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXXXXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation