vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: FL

Complaint narrative:
On XX/XX/2022 a credit card account COMENITY XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

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 2022-05-26 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: American First Finance, Inc.
State: WI

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AES/PHEAA
State: WI

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a Netspend pre-paid Visa debit card on XX/XX/22 in the amount of {$500.00}. All that was required at the time of purchase was a state issued photo ID and the payment. I activated the card on the netspend website and verified that the account had {$500.00}. 
I wanted to make certain the card really worked, so I attempted using it at a convenience store and it didn't work. I then tried a restaurant and it was declined. 
I called Netspend and they stated it was locked due to " suspicious activity. '' I would hardly call a gas station convenience store and {$30.00} restaurant bill suspicious. I verified that it was me who was using the card and they still redused to unblock it. Netspend then made a request for my photo ID to be sent to them via text message. That seemed strange and I asked them why I had to do this. At that point they said I had to email the photo of my ID along with my Social Security Card and proof of my address. I refused. For one, most people won't be able to do that. Secondly, their claim of " suspicious actiity '' is arbitrary. Three, the are asking for unnecessary personal information that no bank asks for and placing a hardship on the customer by making such requests. 
Netspend has a pattern of doing this in the past to customers. They now have {$500.00} of mine and I have no leverage to demand access to my own money.

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 2022-05-26 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:
On XX/XX/2022 a credit card account XXXX XXXX XXXX XXXX XXXX fraudulent under my name and the bank as well as the credit report agencies Transunion, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging 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 2022-05-26 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:
On XX/XX/2022 a credit card account XXXX XXXX XXXX XXXX XXXX fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and Experian are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging 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 explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: GA

Complaint narrative:
In XX/XX/2022, Klarna was used to purchase purses through XXXX. I did not receive 3 of the items that I was billed for and that Klarna continues to draw money out of my personal checking account 2-3 times per month. Money that I do not owe. XXXX has repeatedly told me that their company, has confirmed to me, has sent to Klarna the refund information for the amounts that I should not still be paying for. I have sent personal communication to XXXX and XXXX both and XXXX says it's Klarna that needs to handle this and they are not at fault as of now. Klarna will not acknowledge any more communication from me at this time and help with this matter to refund money owed to me and discontinue drawing my money that is not owed to them. I want resolve to this situation asap and I want my money returned to my bank account and no further money paid to then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and incorrect. Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of 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 non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Applied for a penfed credit card on XX/XX/XXXXXXXX XXXX  Clearly Penfed discriminates against XXXX citizens as I was denied with very good credit and a very very low use of my available credit. Here are the Facts : Have a XXXX credit score Only using 14 % of my available credit No negative marks My income is {$6500.00} monthly My monthly bills are {$1000.00} Yet incredibly I was denied. The reasons Penfed provide make zero sense and here they are : 1. Length of time accounts have been established : My oldest account is 2 yrs 2 months 2. Ratio of balance to limit on bank revolving accounts. Mine is only 14 % 3. Proportion of loan balances to loan amounts - I have one loan of only {$9000.00} from XXXX XXXX. Too many accounts with balances What the XXXX are they talking about.. 

Any person can see these are not the actual reasons Penfed denied me. Penfed simply provided a standard list of reasons to brush me off. What I would like to know is how my ( XXXX girlfriend ) who is in college has zero credit history besides a couple cards shes an authorized user on and received a {$1500.00} line of credit or her XXXX XXXX who has a credit score of XXXX a couple negative marks, using 34 % of her available credit received a card in XXXX with a {$4000.00} line of credit. 
I am including my XXXX credit report which is the same report Penfed used

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 2022-05-26 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: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
I recently viewed my XXXX XXXX consumer report and noticed a fraudulent account reporting in collections from company name SPRING OAKS CAPITAL. I immediately called XXXX XXXX to dispute the account and to obtain the account number since it was not present on the report. The Fair Credit Reporting Act, 15 USC 1681e reads - Compliance Procedures ( b ) Accuracy Of Reportreads, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. MAXIMUM POSSIBLE ACCURACY MAXIMUM IS 100 %. This account isn't accurate at all. I haven't been able to sleep great at night since seeing this account on my consumer report knowing it's not mine. I feel like I'm being taken advantage of and its stressing me out because I'm getting denied credit due to this account. I'm unable to live my best life because of this account. Furthermore when I called XXXX XXXX, a male rep stated to me that he could not provide me with the account number to this collection account and that I can call the collection company to get the account number myself. I felt like that was very rude so I said no problem, I called SPRING OAKS CAPITAL and spoke with a female rep. The rep stated " this is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told her I dispute the debt and that its fraudulent. The rep said great, ok, and she's glad I called to let them know about the account as well as they will investigate. First and foremost why do I need to let SPRING OAKS CAPITAL know about an account that they claim to know so much about that they reported the account to XXXX XXXX as a collection. SPRING OAKS CAPITAL nor any of its agents/officers/directors haven't spoken to me, nor received written communication from me until they reported a fraudulent account on my consumer report. I also asked the rep for the account number and the rep stated its # XXXX. How are they conducting an investigation, with whom are they conducting an investigation with, and for what when this SPRING OAKS CAPITAL account do NOT belong to me? It's clear this company is in violation of the FDCPA and FCRA. I do NOT and nor have I ever had a contract or an agreement with SPRING OAKS CAPITAL. This account is fraudulent and need to be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a, payment on a credit card account under any, open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
A credit card was opened in my maiden name in XX/XX/2022 with XXXX XXXX  LLC/Avant. I have contacted the company, sent a police report, and documents proving it was fraudulent and they still will not remove the inquiry from my credit report. The line of credit was fraudulent as well as an address listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a, payment on a credit card account under any, open end consumer credit plan as late for any purpose.

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 2022-05-26 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: MN

Complaint narrative:
I started my debt dispute journey by sending a certified letter to all three agencies, TransUnion, XXXX and XXXX on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, XXXX XXXX XXXX. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota state ID, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX social security card and Court order.

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 2022-05-26 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: Professional Placement Services, LLC
State: WI

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MN

Complaint narrative:
I started my debt dispute journey by sending a certified letter to all three agencies, XXXX, XXXX and Equifax on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, XXXX XXXX XXXX. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota XXXX ID, XXXX XXXX, XXXX XXXX XXXX ID card, social security card and Court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MN

Complaint narrative:
I started my debt dispute journey by sending a certified letter to all three agencies, XXXX, Experian and XXXX on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, safe at home. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota state IDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, social security card and Court order.

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 2022-05-26 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: LJ Ross Associates
State: WI

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Global Lending Services LLC
State: WI

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} XXXX XXXX. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX TX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
Verified with work that direct deposit was sent on time. Chime XXXX XXXX Bank continues to deny that deposit was ever sent or received, claims there are no issues, and after I stated that I would be filing a complaint with the XXXX  I received a phishing text claiming to be from Chime XXXX Bank about a survey for customer service.

Company response to consumer: Closed with explanation