vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got an email with a credit card offer from XXXX XXXXXXXX saying I was preapproved, and when I went to the site, When I applied, I got an alert on my credit that it was XXXX XXXX XXXX and not XXXXXXXX XXXXXXXX and immediately called the company telling them it was false advertising, and that I did not need a card that was for people establishing credit as I already have great credit with established credit. I told them they need to take off the inquiry as it was advertised on my email as XXXX XXXX. They said I needed to call Experian to get it off, and when I called Experian, they said I need to call XXXX XXXX XXXX. I need this hard inquiry off of my credit immediately because of them acting like it was a 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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Full Circle Financial Services, LLC
State: FL

Complaint narrative:
XXXX hired Full Circle Financial Services ( XXXX XXXX XXXX ) to collect {$140.00} for an item That I never received. They, FCFS, are reporting a delinquent payment to the credit bureaus on a monthly basis. They have been sending me " past due reminders '' on an old email address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: GA

Complaint narrative:
I have sent plenty of letters to XXXX, TransUnion, & XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report. 
Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: GA

Complaint narrative:
I have sent plenty of letters to Equifax, XXXX XXXX XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report.

Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have repeated mail off letters of disputed and validation was requested of account, as well stop the daily calling too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This inquiries don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. 1. Identity Theft CCB/XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: NY

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that 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 explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: IN

Complaint narrative:
Gregory Funding bought my loan from XXXX XXXX on XX/XX/2021. Since this time they have refused to a knowledge my XXXX payment and repeatedly said that I was 30 days behind. I even emailed them my bank statement showing my payment was taken out by XXXX on XX/XX/2021. I ave also given them.an email from my loan officer at XXXX which states that they were wired the money from this payment and it was to be credited to my account. This payment was also acknowledged by an officer at Gregory Funding. I also have shown them my statement my XXXX as of XXXX showing that there are no past due statements. It is not my responsibility to do this but I have documented this for them anyway to expedite the progress to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX, NY XXXX tel XXXX email : XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX tel XXXX RE : XXXX credit file report # XXXX for XXXX. 
A hard inquiry was placed on my credit report by Kohls/Capone that has been on my credit report and will remain until XX/XX/2022, that has caused me harm. I went into your store that offered 35 % off if you apply for credit at the cash register. I have an excellent credit rating and score and was absolutely sure that my credit application would be approved. I want to know why my application wasn't approved? I called Kohls/Capone from the Kohls store. Customer service could not give me a reason why my credit was denied. I had to wait for a letter from Kohls/Capone, which came in the mail 30 days later. Customer service assured me that this would not count against me, and would not show as a hard inquiry on my credit report. The hard inquiry placed on my XXXX credit report by Kohls/Capone does not show on XXXX on XXXX credit reports. My complaint is that Kohls/Capone has no intention of approving and issuing the 35 % off credit the same day. My complaint is that Kohls/Capone has deceived me with this bait and switch tactic at the cash register to obtain my personal information, address, telephone number, social security number with no intention of approving my register credit application. The cashier only asked for my driver license and my social security number. The cashier did not and can not collect enough information or enter enough information about the applicant in their system for Kohls/Capone credit department to make a credit decision. My complaint is that Kohls/Capone should not be allowed to steal customers personal information when they have no possible intentions of approving instant credit at the sales register the same day. After they denied me credit Kohls/Capone provided negative false hard inquiry information on to the credit beaurls. I want Kohls/Capone to remove the hard inquiry that was negligently put on my XXXX credit report # XXXX for XXXX ' Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 we made an international wire transfer from our XXXX bank XXXX, XXXX for {$28000.00} to our bank Wells Fargo in the USA and the money never appeared in our bank. 

We have tried to clear this up numerous times with Wells Fargo, that denies ever receiving such money. 

XXXX denies having this money and claims Wells Fargo has it

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ALL 3 CREDIT BUREAUS REMOVED UNAUTHORIZED INQUIRES ON BETWEEN XX/XX/XXXX AND XX/XX/XXXX, BUT NOT HAVEN'T REMOVED THE ADDRESS I HAVEN'T LIVED AT AND SCHOOL LOANS I NEVER TOOK OUT. I AM VICTIM OF IDENTIFY THEFT AND SHOULD BE SUFFERING FOR SOMEBODY ELSE DOING ACCORDING TO The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).

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 2021-06-21 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: OH

Complaint narrative:
On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.

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 2021-06-21 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: OH

Complaint narrative:
On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CBNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CB/NY & CO Account Number : XXXX This is not mine. 

7. Identity Theft CB/EXPRESS Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CB/NY & CO Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
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. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
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. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

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 2021-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
the companies that are not responding are : SYNCB/XXXX I have written and mail out validations and complaints to the 3 bureaus and the creditors to validate these inaccurate and I have yet received a response from these companies to in letter form to show case my debt. I sent letters out on XX/XX/2021,XX/XX/292021 and XX/XX/ to validate and to reinvestigate these inaccuracies and yet I still haven't received any letters.

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 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These 3 debts were consolidated into one in the amount of {$510.00}. Debt is paid is full and still reporting on credit report. I spoke with the agent on XXXX, XXXX and XXXX and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 XXXX not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX Account # XXXX I was never late 30 days XX/XX/XXXX, 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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