vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I have a very bad situation XXXX, XXXX  are stating that my primary, only address is my only address, that Capital one has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to Capital one close the account close the account in XX/XX/XXXX something is not right, I don't have the Capital one credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that Capital One is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its Capital one they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So Capital One as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, XXXX  say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX Capital One government officials ( When did I give Capital One permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told Capital One has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in XXXX XXXX  as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank/ XXXX has made it extremely difficult to pay my bill each time I called in to pay rep either hung up on me or claimed the system was down there for I was not able to make my payment, I finally spoke with someone who helped me she moved my due date to XX/XX/2020 and insisted I call credit bureaus to have XXXX late removed, it has not yet been removed they also added another XXXX for XXXX but the bill is not yet due because the due date was changed to XX/XX/2020. I have never been late with a payment and believe company representatives have not been helpful during this Pandemic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX  and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.

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 2020-12-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is another complaint for XXXX  and Equifax about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). XXXX and Equifax again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. Equifax said If I have additional questions about this item please contact XXXX XXXX XXXX which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that XXXX  and Equifax can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is another complaint for Experian and XXXX  about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). Experian and XXXX again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. XXXX  said If I have additional questions about this item please contact XXXX XXXX XXXX  which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that Experian and XXXX  can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.

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 2020-12-11 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I have been in forbearance since XX/XX/2020 with XXXX. On XX/XX/XXXX I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with XXXX  who did nothing despite XXXX  admitting to me that it was an error on their end and that I should immeditately file a disupte with XXXX. I have an official letter from XXXX  documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX AND 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 2020-12-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  and Transunion failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.

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 2020-12-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TN

Complaint narrative:
I reopened my Pay Pal account, after closing it in 2017 when my debit card was compromised. I needed to reopen it for XXXX. This time I attached my XXXX XXXX, but then they asked for statements from 2017 from the closed debit card, which I dont have. Then asked for a picture of my ID. I decided not to provide it. It sounds very suspect to me. So I tried to remove my XXXX XXXX, and they wouldnt let me. I had to call XXXX  to cancel my card and all reoccurring charges. I told Pay pal to delete my account. They wont. They just keep messaging me. I want them to delete my information. They have inconvenienced me with my XXXX  card. I want them to cancel my Pay Pal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
I have been in forbearance since XXXX of 2020 with XXXX. On XX/XX/XXXX20 I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with Experian who did nothing despite XXXX admitting to me that it was an error on their end and that I should immeditately file a disupte with experian. I have an official letter from XXXX documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: PA

Complaint narrative:
US BANK RELIACARD HAS PLACED A HOLD MY GOVERNMENT ISSUED DEBIT CARD ( PUA BENEFITS. ) DUE TO A ADDRESS CHANGE. MY CLAIM WAS PROCESSED IN XXXX AND I HAVE BEEN TRYING TO VERIFY MY CORRECT ADDRESS TO HAVE A REPLACEMENT CARD ISSUED. I HAVE FAXED ALL THE REQUIRED DOCUMENTS OVER 5 TIMES AND EVEN VERIFIED MY IDENTITY ON THEIR WEBSITE. BUT CONSTANTLY TOLD MY DOCUMENTS ARE DENIED. IT HAS BEEN 6 MONTHS AND I HAVE NO ACCESS TO MY BENEFITS. I HAVE CALLED, EMAILED FOR OVER 4 MONTHS AND RECEIVE NO ASSISTANCE JUST THE RUN AROUND. I AM UNEMPLOYED DUE TO THE PANDEMIC AND HAVE NO INCOME AND REALLY NEED MY BENEFITS THAT THEY ARE REFUSING TO RELEASE. THEY KEEP ASKING FOR MORE DOCUMENTATION THEY EVEN REQUESTED MY SS CARD AND TAX DOCUMENTS FOR AN ADDRESS CHANGE WHEN I HAVE PROVIDED MY STATE ISSUED IDENTIFICATION CARD ON SEVERAL DIFFERENT OCCASIONS. PLEASE HELP I HAVE EXHAUSTED ALL MY OPTIONS WITH NO RESOLVE.

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 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX an unauthorized access occurred to my online Wells Fargo bank account in order to add a phone number to my account. My email was being spam bombed to hide the email that was sent out stating a change was made. 

On XX/XX/XXXX a fraudulent wire recipient was set up and a fraudulent wire was done for {$4500.00} around XXXX XXXX  EST. Again my email was being bombarded with spam to hide this activity. However, this time I saw the email notifications shortly after this fraudulent activity occurred and called Wells Fargo. It took me 40 Mins to get in touch with someone who could freeze my account and was unable to get my funds back. 

I filed a claim with the bank as I did not authorize this activity. After speaking with a claim handler who verbally told me on the phone it was a clear cut case of fraud and they were going to recommend I be reimbursed, a manager reversed that decision and denied my claim. I escalated to the Manger of that department who reviewed my claim and Wells Fargo is claiming my " device id '' was the one that performed this activity so they can not reimburse me. 

The device they said performed these actions was my work laptop. I opened a ticket with my work IT who performed a scrub of my pc and said there was no malware and they also could provide logs showing my pc was not turned on when the unauthorized phone number was added on XXXX and I was not accessing the Wells Fargo proxy server on XX/XX/XXXX when the wire activity occurred. I informed Wells Fargo of this and I was told by the claim handlers manager that because their logs show my " device id '' They won't reimburse. They also refused to share their logs with me so I could have my IT department refute their " evidence ''. 

I can't even defend myself and the proof I have this activity was not performed by me does not matter to Wells Fargo. I've closed both my savings and checking accounts with Wells Fargo and had them open new accounts to avoid further exposure. I've filed a police report. I've notified the credit bureaud to flag my account as a victim of fraud. I've changed all my online credentials. I've done everything I can and have clear evidence I am a victim but I am being treated as a criminal by Wells Fargo. 

This is the most horrific customer service experience I've ever had. All I want is to be reimbursed for something I had no involvement in.

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 2020-12-11 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I noticed a pending charge on my Chase Sapphire Reserve Visa account XX/XX/XXXX for {$240.00} to a company that I have never transacted with " XXXX  XXXX  '' I XXXX  to see what the company sold it was steaks. I then called Chase and told this about this charge that I did not make and told them it was fraud and please remove, they temporarily removed the charges and started an investigation. XX/XX/XXXX XXXX XXXX delivers a box from XXXX  XXXX, I call XXXX XXXX and tell them to pickup as I did not order this and had reported a fraud with Chase. I am told by XXXX XXXX  that XXXX  XXXX  can only request a pickup. I then call XXXX XXXX, they have no customer service number, so I begin texting with them. They give me the email from which this order was placed, not my name nor anyone I know, " XXXX '' I tell them not me, please pick up, they say since it's my name on package along with again someone I don't know " XXXX or XXXX  '' and is perishable they wont take back. I put the steaks in my freezer, they are still there now, I also contact XXXX XXXX XXXX XXXX. Today, Chase tells me my fraud claim is denied as I received a benefit, which I disagree as I did not order nor have I eaten, as the steaks are still in my freezer. I have pictures of the box, the texts between XXXX  XXXX  and myself, the email to/from XXXX XXXX and the Fraud Denial by Chase. Please help me, I do not have {$240.00} to pay for 2 steaks I did not order. 

Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11 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: OH

Complaint narrative:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX/XXXX  # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX XXXX  # XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation