vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Account listed in 2016 was paid for and closed, the agreement would be the accord reflect as paid in full and closed. It currently continues to show as in " collections '' on my consumer file which is false and inaccurate and is grounds for Federal Legal action immediately. 
Captial One was contact more than a month ago regarding this showing on my credit as in another status, " charged off. '' This too was false and is still grounds for Federal legal action.

Captial Once states they would contact me within 30 days and ha e failed to do so. They have my phone number and ha e never called, left a message, no email, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have a XXXX charge in the amount of {$410.00} reported by Southwest Credit system ( number is XXXX ) on XX/XX/XXXX for an account that is dated back in XXXX " allegedly '' but nor XXXX or Southwest can get me a copy of the bill that they claim is past due balance and I gave been a XXXX  customer since back in XXXX and still a current company. I have a home in NJ here they say it is from and I live in GA now. I had a manager at XXXX on the phone from collection department and they could proof it was mine, a copy of the bill ... I called southwest with the XXXX XXXX mgr. on the phone and southwest would not talk to us and transferred my to a VM. I told them both is they could provide a bill I'd pay but either will/can do it. I tried with there XXXX fraud team as well and got now where. They only have a email and phone that they issued to me so I'm told and don't nor ever had access to nor knew existed. Yes, I pay them {$300.00} per month is GA with my same SS #, phone #, XXXX. Yet, they claim I owe them {$410.00} from 5 years ago. I have called both companies several time and I get now where. I'm buying another house and can I please get this removed or discarded off my credit report, it's impacted my score by 40 point for {$410.00} from 5 years ago, yet, I pay $ XXXX  monthly to XXXX ... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
On or about XX/XX/2018, I moved out of The XXXX at XXXX XXXX apartment complex ; giving plenty of notice of my intent to move. Management company charged for an additional month of rent, in addition to keeping my security deposit and failing to give a move out ledger of alleged expenses. I never received communication from the management company, only from the debt collector who put an amount of money I do not owe, on my credit report. That amount was XXXX. It is now XXXX. I attempted to resolve the issue by contacting the debt collector and they were unwilling to remove the negative mark from my credit report. IQ Data International, has also increased the debt owed by percentages not agreed by me, without written notice and continues to report the increases to the credit bureaus. 

The management company, XXXX owned the property when I submitted my notice of intent to move, I kept in close contact with management personnel informing them of my progress in moving. I had a good verification of rent letter, stating that I was not behind on my rent, never late and moving out on XX/XX/2018. Management changed over to XXXX XXXX and they refused to honor the notice of intent to move out. As per my lease, I never received a reminder to renew so I was only suppose to give a 30 day notice ; I gave notice in XXXX. Regional manager, XXXX XXXX stated he was in receipt of my notice to move from XX/XX/2018 ; per our XX/XX/2018 email communication. I moved from the property XX/XX/2018 and turned in the keys on XX/XX/2018. The property is charging me for XXXX rent that I do not owe. 

I will submit email conversations with the previous property manager, XXXX XXXX, stating that I only wish to renew my lease for five months beginning XX/XX/2018 to end XX/XX/2018. I will also submit email communication of Regional manager, XXXX XXXX, using bullying tactics to threaten negative impact to my " rental and credit history '' and also implying that he already had intentions to apply my security deposit to any balances owed. I will also submit my notice, my verification of rent, my key turn in sheet with my forwarding address and a statement of facts. All of which was submitted to the collection company along with a letter to cease collection actions. Nothing has worked so far and these companies are illegally trying to XXXX  XXXX  me into paying something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
I made a CFPB report a couple of months ago about Lexisnexis violating mhy privacy i feel like my patience its been taking advantage of my request was ignored i feel like i am being taking as a joke. I am well aware of my rights as a federally protected consumer and before i am trying to get the issue resolved outside of the courts but if i continue to be ignored i will have my FCRA lawyer file a suit. As a federally protected consumer i have a right to privacy i never gave you written consent to furnish any report on my behalf no consent is identity theft that is a serious crime i want the bankruptcy removed from all my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TX

Complaint narrative:
I was notified by Experian that a new installment loan was opened in my name with a company named XXXX XXXX XXXX This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, 3 for {$44.00} and 3 for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX  XXXX department. I have reached out to Experian to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to XXXX XXXX in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with XXXX or loan account open so there is no way for me to speak to someone directly about 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 non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to correct my personal information on all three of the credit bureaus, however I have not received a response from any of them. On XX/XX/2021, I sent a letter requesting that credit bureaus correct my name, address, phone number and employment. I have several different names, addresses and employment information that does not belong to me. I also have over 9 public records on my credit report that do not belong to me. I have not been contacted by any of the credit bureaus to validate this information on my credit report. In addition there are unknown credit accounts on my report. I am requesting that the Consumer Financial Protection Bureau investigate my claim and hold the credit reporting agencies accountable for the misinformation that is being reported to the public without validation. I demand that this misinformation be deleted and that my personal information be corrected immediately. The credit bureaus have not responded in a timely manner ( within 30 days ) and I should be granted my request immediately. I have enclosed the letters that were sent to the credit bureaus on XX/XX/2021 for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In 2016 My Wallet was stolen and my card was charged for multiple transactions resulting in a ton of fees. I reported to bank when it happened and they closed account and said they will forgive and transactions as i am supposed to be protected but it didnt happen. Its been 5 years and im still getting negative remarks to my credit! Last balance was paid on XXXX XXXX, 2016 the reported balance is {$950.00}. This is with Wells Fargo 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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ON XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ON XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.

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 2021-05-22 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: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to correct my personal information on all three of the credit bureaus, however I have not received a response from any of them. On XX/XX/2021, I sent a letter requesting that credit bureaus correct my name, address, phone number and employment. I have several different names, addresses and employment information that does not belong to me. I also have over 9 public records on my credit report that do not belong to me. I have not been contacted by any of the credit bureaus to validate this information on my credit report. In addition there are unknown credit accounts on my report. I am requesting that the Consumer Financial Protection Bureau investigate my claim and hold the credit reporting agencies accountable for the misinformation that is being reported to the public without validation. I demand that this misinformation be deleted and that my personal information be corrected immediately. The credit bureaus have not responded in a timely manner ( within 30 days ) and I should be granted my request immediately. I have enclosed the letters that were sent to the credit bureaus on XX/XX/2021 for your records.

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 2021-05-22 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Account listed in 2016 was paid for and closed, the agreement would be the accord reflect as paid in full and closed. It currently continues to show as in " collections '' on my consumer file which is false and inaccurate and is grounds for Federal Legal action immediately. 
XXXX XXXX  was contact more than a month ago regarding this showing on my credit as in another status, " charged off. '' This too was false and is still grounds for Federal legal action. 
XXXXXXXX XXXX states they would contact me within 30 days and ha e failed to do so. They have my phone number and ha e never called, left a message, no email, nothing.

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 2021-05-22 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: FL

Complaint narrative:
i received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: NJ

Complaint narrative:
i was looking thru my credit report and noticed this account from cybrcollect which i had never applied for. This account does not belong to me and is the result of fraud and i have never given them permission to have access to my personal information. I have filed an identity theft affidavit to support my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Klarna AB
State: IN

Complaint narrative:
Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services.

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time.

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am being sued in two different cases in civil court in XXXX XXXX Ohio by LVNV Funding also known as Resurgent Capital Services. Both accounts are the result of identity theft, of which I am the victim. Resurgent, LVNV Funding and their affiliates/ attorneys, XXXX and XXXX are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding / Resurgent or XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. They keep passing the buck using three entities, Resurgent, LVNV Funding and XXXX and XXXX to dodge who is really responsible for answering my requests to investigate these accounts as fraud as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I withdrew cash from my debit card which overdrew my account. Then, my monthly XXXX auto draft processed after that. It would be understandable to be charged 2 overdraft fees due to this, but I was charged 5 separate fees before my check was deposited! I called to attempt to have the excessive fees waived, they only agreed to credit one. The agent I spoke with was kind, but stated that's all she can do. She was unable to confirm how many fees I've been charged in the past 12 months. I believe that BB & T charges fees excessively, charging fees for transactions before the checking account is overdrawn. I never had this issue with XXXX XXXX, the bank that sold my account to BB & T, nor with any other bank I had accounts with. Please investigate 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 2021-05-22 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TN

Complaint narrative:
I am victim of Identity theft. Someone has access to my personal information and its ruining my credit by applying accounts that I have no knowledge of. Also, I never give consent to the company listed to pull my credit report.

Company response to consumer: Closed with explanation