vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A credit card was taken out at a bank with my information. All three credit reporting companies- Experian, XXXX, and XXXX - lowered my credit score because of a hard inquiry and a new credit card which I did not apply for!! 

I spoke with someone at the bank to get this straightened out, but it takes 30 to 60 days to remove it from my record. I notified one of the credit agencies regarding the fraud and they wrote back that they checked the information and I had taken out the card!!!

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 2023-03-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-10 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:
I am a victim of fraud I have disputed this directly with this creditor numerous times its on record and I have sent them all of the necessary documents they said that they needed from me to properly investigate this fraud. they claim the account was open in personal on XX/XX/XXXX of XXXX in Ohio, which is impossible for me to do so because I was currently at New York at the time and the proof is also in my bank-statement for the date of XX/XX/XXXX which shows I had a physically withdrew and deposited money in the XXXX, New York XXXX I have sent them proof of my bank statement as requested from the months of XXXX and XXXX as requested which is when they claim this fraudulent account was open and had monthly payment activity. I have also disputed this with the credit bureau and you guys stated it was valid and verified which is impossible because I have never opened this account .I need this fraudulent account removed from my credit report. This is preventing me from applying for a mortgage at the moment and so many other things. I also attach and sent them an affidavit that was signed and notarized, this is truly affecting my life. I am a victim of identity theft and I have exhausted all my resources and kept documents of all the calls and disputes I've made in an attempt to have this resolved with this company. if this is not removed and cleared from my name and my Experian credit report ASAP, I would be contacting a lawyer to seek litigation for damages.

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 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I purchased a car on XXXX. The car lot ( XXXX XXXX ) provided me with options for obtaining financing for a XXXX  XXXX XXXX I wanted to purchase. We decided to use ONEMAIN. I asked the salesperson XXXX XXXX XXXX if I needed proof of income and he advised no ; he had spoken to ONEMAIN on the telephone. I completed the application and it was sent in with my drivers ' license and proof of insurance. The documents were uploaded electronically thru a link they sent me. When I sent the items thru the first time, it asked for proof of income but I did not attach anything as I was told it was not needed. The transmission did not go thru as completed because the proof of income had not been uploaded. I showed that to XXXX the salesperson and he thought it was odd as he was told no proof of income was needed. I had my XXXX in my phone so I uploaded to the site. The loan was then approved. I believe I was asked for proof of income as ONEMAIN then had a copy of my driver 's license that confirmed my minority status. I believe when they saw I made over $ XXXX a year, they did not accept that a minority woman could earn that much money. In response to the XXXX XXXX review, I was told to contact XXXX with my concerns. On XXXX, I spoke to XXXX with ONEMAIN ( XXXX ext XXXX XXXX ) who confirmed the above timeline of documents. I explained how humiliated I was. Her response was " if I was so humiliated, why didnt I say anything to the salesperson ''. I explained that I was going to let it go until I received the XXXX XXXX  survey request. She said their systems are automated and there was no malicious intent. Then why would the loan application not go thru the first time. This has to be a glitch they are aware of and feigning ignorance or a systems error is not an excuse for XXXXXXXX XXXX. What I believe to be XXXX XXXX has to stop. By the way, the representative I spoke with was very professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
XX/XX/XXXX First of all, when a debt collector calls you. They will ask for you. Then ask you to verify your information- not give you the information and then say " is that right? '' I spoke to two different people who said my DOB was XX/XX/XXXX and all I said was " um-hmm '' and then they went on to explain everything about the debt. Next, the debt is over ten years old. It is not even showing on my credit report and the insurance company should have done an appeal like all insurance companies do, if the hospital is covered then the ER physican is covered also. That way everyone gets paid. 

But this over 10 year debit?? and the way the company Credit Management Company gave out information like they were talking to their friend or family. I don't know who they are and they don't know know who I am- I never verified anything verbally. Debt Collectors will ask the person on the phone to give the last 4 of social or the dob and then the address. But they did nothing. 

They violated the Fair Debt Collection Practices Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
My identity Where Stolen & Used To Obtain Goods & Services In My Name I Fouled Police Report With My LOCAL police department after my Credentials Where Stolen & Have Attached It Aswell As My Identifying Documents With Mail I Sent To Chexsystems

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Credit Karma, LLC
State: MD

Complaint narrative:
Credit Karma is an incredibly shady company. XXXX already has a near monopoly on the tax filing business for regular filers and they they insert this financial services arm into it. They say that they are trying to get you your money faster so you start to sign up, only to realize by " get your money '' they mean they are creating a card account by which they hold your money and probably use it for other investments. 

That in itself is very unethical. But before I fell into that trap i went back and went with a normal direct deposit. But at the end of the whole process they sent me to a Credit Karma page which said they were still sending me a card. 

I looked all over the website for how to cancel that card and cancel the account with no luck. So i went on their help chat. The first person handed me off to a second person who handed me off to a third person who they said would email me. 

It should not be this hard to cancel an account i was tricked into signing up for only minutes beforehand. And XXXX should not be able to leverage their tax filer access to build a credit card business using tax payer refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I went into my banking app to see how much I received from my paycheck, only to find out that Capital One closed my checking account without my authorization or any notice whatsoever. My funds are still in there and when I attempt to transfer my funds to my other bank account, it does not allow me to. I called the customer service of Capital One to complain and ask why my account was closed, and they refused to give me any information on why, or any info on what the timeframe would be on when I would recieve my money back. There is XXXX $ in that account, which is all I have to my name and now do not have any way to buy groceries, pay my car payment, or do anything else. They have given me zero access to MY money that I earned and will not tell me when I will get it back. I literally don't know what to do from here except file this complaint. They should not be allowed to do this and I want them to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My employer gave me a {$500.00} gift card. I was able to use it for one purchase of {$130.00}, when I tried to use the card again I was told it was expired. 

I contacted OmniCards by phone, not sure of the date but in early XXXX. I explained that I never imagined the gift card would expire because it is my understanding that gift cards do not expire in the state of CA. I was told that they would charge me a re-processing fee of {$15.00} but that the remaining balance of {$340.00} would be issued to me on a new card and that I could expect to receive it in approximately 21 business days. 

After waiting various months I called OmniCards again on XX/XX/XXXX and was told that I was sent an email in XX/XX/XXXX stating that my case had been closed and that they were unable to issue me a new card because it was a " Rewards '' card and not a gift card. I explained that someone had already told me I could recover the funds with a {$15.00} penalty. They advised that they would escalate the matter but that they could do nothing for me. I asked if the the card was less expensive because it is a " rewards '' card and asked if my employer had spent less than {$500.00} when purchasing it for me, but I did not receive a clear answer. They said someone should respond in 1-2 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: TX

Complaint narrative:
I was served a lawsuit from XXXX XXXX XXXX with the representing law firm Johnson Mark LLC. I responded to the lawsuit on XX/XX/XXXX requesting verification/ validation of debt and informed them that this debt was in dispute. Per the FDCPA, disputes and verification of debt must be answered in an certain amount of time. This has been well over 45 days and the law firm just claims they are waiting on their client. I called today because there is a court date pending for XX/XX/XXXX and they still have no answers. I also asked to speak with the attorney as I am XXXX XXXX and have a legal right to represent myself. The agent refused before " I am not an attorney ''. I want the proper documentation that I have requested. I also requested the proper chain of the papers for every time this debt has changed hands. The firm and XXXX XXXX are in direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX after receiving a deposit into my Venmo account which I was expecting from a third party who offered Venmo as a means to issue me a refund I was owed, Venmo did not allow me to transfer my funds to the bank and suspended my account. I have tried emailing, chatting and calling and they refuse to give me a reason and are holding my funds for no reason. I am not given a reason and can not use my funds. No one will give me an answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATIONXXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATIONXXXX : XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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