vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX BANK. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account previously from my file as the amount of {$2100.00} does not belong to me although it seems to still be reporting This account was fraudulently opened through this company XXXX XXXX BANK in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I reached out to CitiBank in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with XXXX numerous times and they continue to verify it as accurate however upon reaching out to Citibank, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to Citibank and requested proof of ownership of this account, however Citibank was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly XXXX  because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted Citibank numerous times and they refuse to remove this account from my XXXX credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't 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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I proceeded to add {$400.00} to my Revolut account via a debit card. After doing so I proceeded to close my account associated with my debit card. The reason for loading the funds was to drain my account so I could close it. I also promptly destroyed the debit card for security concerns. After closing the account where the funds originated, I no longer have online access which means I can not retrieve any documentation. 

On XX/XX/XXXX I proceeded to attempt to withdraw the money to my main bank account ( XXXX XXXX ) in order to pay some credit card bills. The withdrawal was sent back to Revolut. I logged back into Revolut and attempted a payment and that was denied as well. 

My account is currently locked as Revolut is seeking a picture of my now destroyed debit card. Obviously I can not provide this. I have explained this several times. I am happy to provide means of proof of my identity. I have offered to simply just let me pull the money out and they can close my account ( it's only {$400.00} ). I have even offered to have the funds sent back to original destination and I would have to deal with retrieving the funds from the original bank, which I am sure won't be easy. All of these offers have been declined and they are still asking for a picture of my destroyed debit card. I destroy financial information by burning it. I can not get that back. 

As it stands my funds are essentially locked forever as I can't unburn a debit card. This is unacceptable. There has to be another means of retrieving my funds but they are refusing to work with me on an alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to XXXX XXXX at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I requested to have my account ( XXXX XXXX ) closed in XXXX. After checking in XXXX, the account was open. I chatted to XXXX, who assured me that the account was closed. Today, XX/XX/XXXX, I received a letter from HSBC that my account was being transferred to XXXX XXXX, whoever that company is. 
I spoke with XXXX at XXXX, who said that the account was closed, but the account number takes six months to drop off the website (? ) and that I received the letter in error. This is wildly suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is fraud I did not agree nor did I sign any agreement nor did I have knowledge nor did they have any usage of their card by me. I was put on as a user and or a card holder not by me with out my permission and or knowledge. all or most all of the companies are playing a game called XXXX XXXX XXXX After contacting them and asking for a copy of ( agreement, video of using their card showing the person accused of the debt I got the run around. Then the debt is sold off to a debt collector then to another with out given them any info of whom the card belong to. In Florida a spose is not responsible for their spouses debt.! But what do they care all they see is a target once they have the law on their side theirs nothing you can do but pay.!

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 XXXX : 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke with rep XXXX and he did confirm that Transunion had received the letter I got from XXXX showing that there was not a XXXX XXXXXXXX Bankruptcy listed. I asked rep does Transunion verify bankruptcies through XXXX and he did confirm that they did. I was advised once they got letter showing proof that it would be updated and removed from credit report but has not. Transunion is now saying they verified the bankruptcy with XXXX that it was accurate which is incorrect information. I called XXXX and spoke with a representative that advised me that Transunion is not getting their information from XXXX. Under the Fair Credit Reporting Act Tranunion is reporting inaccurate information.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Both mine and husbands credit cards from Comenity Sony was stolen and over {$1000.00} of was charged onto the account from XXXX. 

We did not make these charges and I called Comenity on XX/XX/15. The fraudulent charges were still posted to my account even though we did not make them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is inaccurate! I was never been late on this account! I always pay it on time. This is a misleading information.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is inaccurate! I was never been late on this account! I always pay it on time. This is a misleading information.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: MO

Complaint narrative:
This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
on XX/XX/2022 I sent a letter to Experian for Method of investigation for account Bankruptcy reference number XXXX. However its been more than 30 days and Experian failed to send my investigation back. This is not making any sense. I have also contacted XXXX XXXX for verification and they stated they do not have this account on my file. I have also reached out to the court and they also responded that they do not report any information to any third parties. Where are they getting this information from? 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer I would like to know who they talked to. 

How did they complete this investigation

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Unifin Inc.
State: OH

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXXXXXX XXXX XXXXXXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named UNIFIN who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX  XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
CKS PRIME INVESTIMENTS LLC is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. CKS PRIME INVESTMENTS LLC has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. CKS PRIME INVESTMENTS LLC has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
NACS sent me a collection notice in the amount of {$1000.00}. I have no clue what this bill is for and NACS refused to give me information on the bill. My health insurance was never billed. I have sent NACS a Cease and Desist letter with my health insurance information for proper billing if a legitimate bill actually exist.

Company response to consumer: Closed with explanation