vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
My husband and I separated for about one year when we were living in XXXX. I am not sure what year but somewhere XXXX. He moved to XXXX and bought a duplex. He lived on one side and rented the other out. When we got back together he rented both sides out. My husband filed for bankruptcy XXXX. I did not file. The apartment in XXXX was on XXXX XXXX. I dont know the address but it went under foreclosure. My husband just passed away in XXXX. Now that Im getting ready to buy a house, the finance company ran my credit report. To my surprise I was listed to have that foreclosure in my name. So I called you, and I was told to contact Fay Servicing. Which I did and the lady told me to contact you. I told her I already did. Next she told to use email to file a dispute. I did that XX/XX/XXXX. The email I got back said Id hear from them in XXXX hours. So on Tuesday XX/XX/XXXX, I called back. The woman said give till the XXXX because of the holiday they were behind. They just sent an email today on XX/XX/XXXX. The email was a joke! It asked me to send a copy of what I was trying to dispute ( which I already did ) and told me again that I should send you a letter about the dispute. I contacted XXXX XXXX NC of register of deeds and was able to make a copy of it. My name is not on it. Please help me take care of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: VA

Complaint narrative:
According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.

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 2022-01-11 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: VA

Complaint narrative:
According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and XXXX believes it is my account info when it is not. Capital one over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXXt. 
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already 88 days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV WROTE ME THAT I OWED THEM ABOUT {$630.00}, I WROTE THEM REQUESTING A VALIDATION LETTER, 30 DAYS PASSED AND THERE WAS NO PAPERWORK EVER SENT OUT. I RECEIVED INFORMATION FROM A COMPANY NAMED RESURGENT CAPITAL SERVICES WROTE ME STATING THAT THEY ARE MANAGING LVNV ACCOUNTS. I SENT A VALIDATION REQUEST AND I STILL HAVE NOT HEARD BACK FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX ( XXXX XXXX ) received a call from XXXX stating they were collections for XXXX XXXX XXXX ( XXXX ). The person identified himself as XXXX, stating that my account was delinquent and that XXXX turned it over to collections with 30 mins to resolve or my power would be shut off. { XXXX then gave me his direct number should be get disconnected as XXXX XXXX. } I said that my XXXX account was closed in XXXX and the address was under a new name ( my son, XXXX XXXX, who had purchased the house ). He said XXXX had a system change that I did not enroll in so they froze any funds that had been paid to the account and it would take 24 hours more to resolve with XXXX claims. They said the account still showed my name because due to COVID the cancellation was delayed. So to avoid a loss of power now ( which was critical to me due to the cold weather, having a child in the house and a person on oxygen ) I was to pay the amount that was frozen {$490.00} and then was given a Case # XXXX of which after review by XXXX I would be totally reimbursed. He said I could only pay by going down to XXXX office ( which I could never have reached within the 30 min timeframe and it was after XXXX ) or through XXXX XXXX 
He walked me through XXXX and said to create a recipient as XXXX with a phone number as XXXX. I did so and sent the money. He had me wait until it delivered and was accepted and send a screen shot of the transaction. Then he came back on and said I needed to send a security deposit of {$1000.00} and again it would be totally reimbursed. That is when I got suspicious, found my son and he told me to hang up immediately. 
I hung up and called Chase ( my bank ) customer service ( local bank was closed by now ) and the woman said it was too late for her to stop the transaction but to call Chase claims at XXXX opt XXXX. I did and flied a claim with them Claim # XXXX. They said it would most likely be handled just as an inquiry to report being a victim of a scam. It would be reviewed by an investigation team. I would hear back either by a phone call for more information or denial letter by XX/XX/XXXX. She said there didn't seem to be any failure by Chase or XXXX. I said I was scammed and not fully understanding that I should not have allowed a XXXX transaction was my responsibility but as a long time customer of Chase with no history of this type of issue do they not have some kind of Customer account to help out financially and further educate these new types of transactions for seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
The FCRA and the FDCPA state that the information reported to our credit file needs to be complete and accurate, however, their more concerned about reporting what the acct subscribers report to them because their getting paid by it as opposed to filing accurate information. 
I reporting errors on my credit file referencing the XXXX Acct. The information XXXX there is inaccurate. I have submitted complaints in the past and they still have not been rectified. This acct needs to be removed from my file. I keep getting a notice from Experian and XXXX stating that they are not going to look into the information, but your information is flawed and needs to be removed. 
Also on XXXX and Experian, there's a XXXX XXXX ( XXXX ) and XXXX  ( Experian ) that's on my credit file that does not belong to me and the information is also incorrect as to what they're reporting on my file. 
XXXX is reporting a XXXX acct and that acct also does not belong to me.

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 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I received a letter from the National Credit System INC, regarding a debt of {$4300.00} from XXXX XXXX XXXX. The debt is in reference to 4 months of rent free living for a year long lease. I moved into XXXX XXXX at the end of XXXX  XX/XX/XXXX. They misrepresented them as XXXX XXXX. The agent that worked with me was XXXX XXXX from XXXX XXXX XXXX Upon moving in it was clear that the apartments were section 8 housing and not XXXX. On XX/XX/XXXX, I was threatened and assaulted in the XXXX XXXX XXXX  private parking garage by another tenant. I called 911 and filed a police report. On XX/XX/XXXX my father and I went to meet with the management of the building, meeting with XXXX XXXX. I explained what happened and how I was scared for my safety. There was no action taken on the management side. Management refused to follow lease protocol against the offending tenant. With no action being taken I was required to move out for my safety. I was aware that I would lose my deposit. After moving out I received an email from the management on XX/XX/XXXX, requesting payment for the concession rental incentive. I responded by disputing their claims. I did not hear anything back from them. I was shocked to have received a letter in the mail from a collections agency more than a year later. I thought this matter was resolved as I provided proof that management was negligent of my safety and moving was not by my wrong. I also got no notice to have the ability to contest this matter until this collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Possible fraud : I received a message from XXXX ( XXXX ) XXXX stating that there was a hold on my citi bank account ( I dont have a citi bank account ) and to follow a link to lift it. This is the entire message I received : ( CITI-BANK-FRAUD-DEPT ) MobiIe banking has been bIocked due to irregular activity. To Iift the hoId go to XXXX? token

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 2022-01-10 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: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I paid {$470.00} & XXXX, respectively from my PayPal account for an XXXX. On XX/XX/XXXX, PayPal deducted an additional, unauthorized {$130.00} from my account based on a claim from XXXX that I am disputing and was disputing at the time PayPal deducted the {$130.00} from my account. I disputed the payment with PayPal, and their decision favored XXXX. They immediately closed the case. Neither PayPal nor XXXX has provided me with anything justifying the charge! It is an arbitrary amount with no basis. 

Furthermore, PayPal made XXXX an automatic payment recipient WITHOUT my approval based on the very first XXXX reservation I made in XXXX. That payment was supposed to be a one-time payment authorization. It was never implied or approved to make all future payments were automatically authorized. Had they not unilaterally made a decision to make a payee an automatic payee, I would have been able to stop the payment. Instead, they took money out of my account without my EXPRESS approval. My contract with XXXX was for the initial {$950.00}. There is nothing that I have signed to authorize the additional {$130.00} taken from my account! PayPal has made no effort to fairly resolve this issue, and has left me with no ability to respond to the decision they made to deduct {$130.00} from my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've sent multiple letters to transunion credit bureau concerning a bankruptcy, wrong addresses, & wrong birth date on my credit report, which probably explains the wrong information on my transunion credit report. I started sending letters in XX/XX/XXXX. I recently started sending additional letters starting in XX/XX/XXXX again.Transunion hasn't responded at all. It seems transunion is blatantly disregarding the rules of the Fair Credit Reporting Act. I recently purchased copies of all XXXX credit reports. XXXX XXXX XXXX doesnt have a bankruptcy on their credit reports. I've asked transunion how are they identifying a bankruptcy on their credit report. I've sent transunion a copy of my driver 's license everytime I sent a letter and advised them about the incorrect addresses & birth date. Below i also i have a letter from the Bankruptcy Court explaining they do not report or provide information to credit bureaus or agencies

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 2022-01-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a charge of {$99.00} with XXXX XXXX which was done in XX/XX/2021 on my credit card with CapitalOne and I disputed the charge. 

Bank disputed the charge and then charged my credit card back again based on the merchant 's response. Post that I had a call with the bank and explained them what happened and then they asked me to upload additional docs which I uploaded in XXXX to prove my case. 

The bank failed to validate the documents and unilaterally decided to close the case inspite of my claim being valid and asked me to directly work with the merchant. The merchant is not co-operative and that is the whole point of having a dispute. 

The bank is not co-operating with me on the dispute and I need your help in resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I repeatedly reached out to all this bureau about inaccurate reporting information on my credit report. They did not resolve the issues. 

Experian replied to my disputes via email, which I did not give them permission to do as I sent all my disputes via mail. They only emailed back saying the disputing accounts were verified as accurate. I then proceeded to mail them back asking for validation or method of validation, they ignored my request for more than 30 days. 

XXXX has not notified me of any investigations that I had open, nor did they verify or send me method of verification of any of the accounts I disputed. It has been more than XXXX says since I have started disputing with XXXX Under the FCRA cra 's are required by law to report accurate and correct information. all three bureaus denied me of that right when they ignored my request for accurate and correctly reporting information on my credit report. under section 15 U.S. Code 1681d

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 2022-01-11 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: NY

Complaint narrative:
Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I sent them a message from my XXXX XXXX XXXX account letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. 
closed my account and I'm now on a payment plan to pay off my balance. 
I haven't missed any payment. Before the pandemic I always made my payments on time as well. My account number is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because XXXXXXXX XXXX XXXXXXXX derogatory information is affecting my credit score. 
Please call me if you have any questions XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NJ

Complaint narrative:
I have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and Experian believes it is my account info when it is not. XXXX XXXX over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXX  
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already XXXX  days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 non-monetary relief
Consumer complaint received 2022-01-10 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: MN

Complaint narrative:
Was cut off my credit cards and was reported my capital one that I was deceased so wasnt able to do anything with my account for years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies Equifax Mortgage Services reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies Equifax and XXXX removed these unauthorized fraudulent hard inquiries from my credit profile.

Company response to consumer: Closed with explanation