vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: GA

Complaint narrative:
While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and Experian is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} Experian * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. Experian is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} Experian is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX  XXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
Had been being harassed by a fraudulent company called Halstead financial about a payday advance loan via email and text message, I contacted XXXX XXXX and after collecting the necessary information we filed a fraud report and I was informed to report this company after being told that XXXX XXXX does not do business with them. I was contacted today by this phone number XXXX from halstead saying that they are a LLC that works with XXXX XXXX and after telling them what I was told they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX under the account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.

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 2023-05-11 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:
Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX XXXX XXXX account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
I reported something on experian about a company that has a record of preying on me reporting false information. Experian is not conducting an investigation and instead allowing the company to perform their own when they are already being crooked. I called experian and asked what information they could possibly be receiving from this company and they told me that they do not receive any documentation from the company who conducts their own investigation which is absolutely absurd!

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 2023-05-11 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: MD

Complaint narrative:
On XX/XX/2023, XXXX fully XXXX my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.

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 2023-05-11 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: MD

Complaint narrative:
On XX/XX/2023, XXXX fully XXXX my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: MD

Complaint narrative:
On XX/XX/2023, XXXX fully discharged my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My XXXX XXXX credit card was closed out and paid in full on XX/XX/XXXX. Around the end of XX/XX/XXXX I got a call saying I owed {$60.00} in interest to XXXX bank that accrued after I closed out the account. On XX/XX/XXXX I spoke to a supervisor and explained that my account was getting charged after it was already closed out and it was affecting my credit score. He said theres no way it could affect my credit score because the account is closed out but I do owe an interest. So I stated again that I had already closed my account out back in XXXX and paid in full, the supervisor agreed and said that he zeroed out my account and closed it out. About last week I was applying for a home and couldnt get applied for it because my XXXX XXXX credit card from Comenity bank kept having unresolved issues and now has XXXX dollars on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-05-11 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: WA

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them,

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have used Coinbase as a Cryptocurrency exchange for a number of years and have had no issues until now. They require XXXX authentication which I've had setup since I created the account and recently they have required me to go through the process multiple times. When you exchange your money from the bank there is a standard holding fee of 5-7 business days which is expected. My funds should have been cleared by today XX/XX/2023 and now the company is stating that not only my funds will be held until XX/XX/2023 I am also unable to send or withdraw these funds for the period of time and refuse to tell me why other then the fact that it's their policy. it's obsurd that a company can hold my funds hostage and dictate I what I can and can't do with them. I have filed a complaint with the company in which I can expect to hear back from in 5-7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
IN XXXX XXXX  I was scared by national tax/ nationwide tax and I called capital one for help to get my money back. I ask for a chard back to them and though they had saved my problem but I was wrong when in XXXX they chard the money back to my account. I called them to work it out and thy said that they could do nothing and I would have to work it out with them. I now had a card that was way over so I cancel the card was willing to pay if of month to month payments. Then they hit me with XXXX in fees per month and would make it impossible to pay the card off. I called capital one to work something out with them and I spoke to XXXX. She ask how could she help me. I began to tell her why I was calling and in the middle of me speaking there was a click and no one was on the line. I though that we were cut off so I called back and spoke to XXXX and she ask how she could help me so I began to speak and once again there was a click and I was talking to myself again. They were not willing to hear me or work anything out. I have never know a credit card company to not won't to work things out to get their money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: FL

Complaint narrative:
My name is XXXX XXXX. I became a victim of identity theft few years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately they are a result of ID theft. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT COLLECTION REMOVAL data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Collection Removal COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Collection Removal compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
Verify that this account belongs to my person : XXXX XXXX XXXX Account number - XXXX. Remove address from my person 's profile. I've never lived at this address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Please follow the law, see 15 U.S.C 1681c. ( a ) ( 5 ) ; 15 U.S.C. 1681s-2 ( A ) ( 1 ) ; 15 U.S.C 1681c. ( a ) ( 5 ). If you are unable to verify/validate account, delete 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 2023-05-11 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: GA

Complaint narrative:
Good Day, Equifax has these accounts on my credit report that are not. Please remove. 
XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P.
State: AZ

Complaint narrative:
I paid off my loan with this company and overpaid XXXX in XX/XX/2023. The company stated they would return the excess I paid in 7 to 10 business days. I still have not been paid my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to submit a formal complaint to appeal this PayPal decision. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. Therefore, I would like to kindly request PayPal to re-investigate my case thoroughly and restore my account if possible. As a long-standing PayPal user, I have always followed PayPal 's policies and procedures and have never faced any issues with my account. Therefore, I am confident that this limitation is a result of a mistake, and I urge you to re-evaluate the situation carefully. I understand the importance of maintaining the integrity of the PayPal platform and the need to take swift action against any policy violations. However, in my case, I have not committed any such violations, and I am confident that a re-investigation will prove my innocence. In light of the above, I respectfully request that you conduct a thorough investigation of my account and restore it as soon as possible. I hope that this issue can be resolved promptly and efficiently, and I look forward to a positive resolution of this matter. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: MI

Complaint narrative:
I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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