vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Albert Corporation
State: NH

Complaint narrative:
I want to tell you about my interactions with a company called Albert ( XXXX  ). They tout financial and budgeting resources, apps, and advice. I trialed their app and services and it has led to a financial issue I have yet to find a solution to. My experience made me wonder how often this happens to other families and what can be done to stop this predatory financial problem. The company began withdrawing monthly payments of {$7.00} from my account during my trial period and even though the app never worked correctly and kept locking me out and I never even got to use their services, they have continued to charge that monthly fee to my account without fail, despite being told numerous times by me to stop and to cancel whatever subscription they say I am supposedly using. I have full documentation of my attempts to resolve this issue. I am told to stop the payment from my banks end I have to pay a fee larger than the amount being taken and the bank said the company can keep taking the money every month so it would have to be stopped every month too. The {$7.00} a month doesn't sound or seem like a lot I know, but it adds up quick, plus it often results in an insufficient funds fee/charge from my bank and has caused vital payments like our mortgage to get missed resulting in a fee on our lenders end and jeopardizing our home buying process. This has resulted in significant emotional, financial, and familial stress for our family of XXXX. I can't imagine what people with even less resources than us do in this kind of situation. I don't think it's just this company that does this... 

I initiated the process back in XX/XX/XXXX. I made my second attempt to resolve the matter in XXXX of XXXX. In XXXX of XXXX I made my third and final attempt to resolve this issue in a satisfactory manner. The company admits that they did receive my communications in XXXX and in XXXX said they could issue a refund of just over {$60.00} but never issued the refund. Then just now in XXXX they said they could only refund {$24.00}. 

In XXXX of XXXX I sent them an email detailing what I would like to have happen. Their continued fraudulent electronic funds transfer were completed without proper authorization from the moment I revoked their privilege to complete the funds transfer with my XX/XX/XXXX correspondence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUS GLOBAL SOLUTION did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

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 2022-03-12 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: OH

Complaint narrative:
In the Recording with the Fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1581 section 602 A State I have a right to Privacy.

115 U.S.C 1681 section 604 section 2 also states A consumer reporting agency can not parish account without my written construction.

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 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2022, My debit card was charged unauthorized by three different merchants. 1. XXXX  {$74.00} 2. XXXX  {$250.00} 3. XXXX {$900.00}. On the same day, I called Chime customer service to have my card block and charges disputed. I was told I had to wait until the charge post to my account. I used the Chime app to dispute XXXX and XXXX on XX/XX/2022. On XX/XX/2022, the claims for XXXX and XXXX was declined because the bank found no error with the charges. Those charges were not made by me nor with my consent. My card is covered under XXXX XXXX I have procession of my debit card at the time of the transaction. My card information was compromised and someone was able to use my information. No items were received at my home so I am sure the fraudster used another address to have items ship in which doesn't match my account address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
There are three credit card accounts with Genesis FS that show as closed and keep being sent to collections ruining my credit report. I am not aware of where these accounts come from and they are ruining my life. I have reached out to have the accounts deleted but the company has been no help the account are listed as other companies such as The XXXX XXXX XXXX, feb destiny, and cb indigo I have done my investigation and they all link to this company with the same phone number and XXXX XXXX XXXXXXXX XXXX, or XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.

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 2022-03-12 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Applied for a Capital One XXXX XXXX XXXX on XX/XX/XXXX. Received a letter dated XX/XX/XXXX indicating the need to unfreeze one or more credit bureaus so Capital One could obtain my credit reports. Unfroze my credit and called Capital One to reprocess my credit application on XX/XX/XXXX. Capital One then sent email request to provide additional documents to verify my identity. Provided documents requested via the Capital One secure portal within 2 hours of the request. Called to follow up later the same day ( XX/XX/XXXX ) and the representative confirmed receipt of documents. Received letter dated XX/XX/XXXX that my application submitted was incomplete or can not be verified. Contacted customer care who confirmed the documents provided were complete. I spoke with XXXX, a supervisor at XXXX XXXX on XX/XX/XXXX in the verification department at Capital One who promised me a follow up within 24 to 48 hours. After waiting more than 48 hours, I am submitting this complaint. 

At this point, I have provided all documents requested of me and have flawless credit. Capital One has no reason to deny my request for a relationship. 

XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2022-03-12 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: OH

Complaint narrative:
I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2022-03-12 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:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from 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
Consumer complaint received 2022-03-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have found several bad/unknown addresses on my credit report that do not belong to me. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address from my file they are not correct : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX My name is XXXX XXXX XXXX. 

Please delete the following names : 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.

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