vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 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:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have a debit/checking account with TD Bank. My XXXX bank statement had a debit card purchase which occurred on XX/XX/XXXX for {$110.00}. I have no knowledge whatsoever of this transaction. Rather than a recognizable company name, it just says " XXXX XXXX XXXX ''. I had no idea what this means. The bank said, when filing a dispute on XX/XX/XXXX, means crypto currency. I never in my life purchased crypto currency, and know nothing about it. The amount in question is {$110.00}. The bank had given me a provisional credit of said amount. Their Dispute & Claims dept. has now sent me a letter advising that their dispute investigation is complete, they have found no evidence of fraud, and will be withdrawing the provisional credit of {$110.00}. I am appealing their decision. I should not be held liable for a fraudulent purchase. I have also obtained a new debit card from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: NY

Complaint narrative:
on XX/XX/2021 i submitted a dispute to remove items off my credit report i have not received any notice on any dispute status regarding my disputes which is fair credit reporting act violation please look in to this matter and remove the dispute accounts immediately The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: NY

Complaint narrative:
on XX/XX/2021 i submitted a dispute to remove items off my credit report i have not received any notice on any dispute status regarding my disputes which is fair credit reporting act violation please look in to this matter and remove the dispute accounts immediately The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under 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 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. The owner contacted me to advise that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. Weve been patient in waiting for refund. Its been over a month. ''

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 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation

Complaint narrative:
I sent a debt validation letter which was ignored. By law since my request wasn't fulfilled by said company this should be dropped off my credit report. Attached is the first debt validation sent and proof via certified mail. Also attached will be an affidavit of truth sent by me on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: LA

Complaint narrative:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2021-07-25 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: LA

Complaint narrative:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: LA

Complaint narrative:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2021-07-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North State Acceptance, LLC
State: NJ

Complaint narrative:
I XXXX XXXX, certify that this is a declaration under the penalty of perjury, and acknowledge that this a statement of truth. North State Acceptance is knowingly and purposely violating my consumer rights. On XX/XX/2021 after seeing they were reporting a charge off of an auto loan to XXXX XXXX and XXXX, who are all 3rd parties to this consumer credit transaction ; I disputed the debt per 15 USC 1692g. The company responded via USPS on XX/XX/2021 that I need to provide them a police report which completely denies my initial request for debt validation. The lack of validation and continuance of reporting of my personal consumer info to XXXX violates 15 USC 1692g ( a ) and 15 USC 1692g ( b ). Also the term charge off is not defined under the FDCPA which now means that the reporting of this undefined term violates my consumer rights per 15 USC 1692e. North State Acceptance has also violated my consumer rights per15 USC 1692e ( 2 ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 10 ). All three major credit reporting agencies who are not affiliated with the federal government have all violated my consumer rights per 15 USC 1681b because I never gave them prior authorization or consent to collect this information on my credit profiles. This account must be removed per The Fair Debt Collection Practices Act from all three of my credit reports including XXXX XXXX, and XXXX  with in 30 days of receipt of this demand for my consumer rights to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card from BK OF AMER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BK OF AMER and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and BK OF AMER with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.

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 2021-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX XXXX XXXXXXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CA

Complaint narrative:
I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.

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 2021-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.

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 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have been incorrectly charged a purchase interest charge for 13 months straight : XX/XX/XXXX to XX/XX/XXXX. 

I was offered a 0 % promotional APR in XX/XX/XXXX until the billing cycle that ended XX/XX/XXXX. I redeemed the offer only to find out that I am being charged interest anyway. 

I attempted to resolve this issue with Chase several times by phone and through their secure message center, but my request was denied. They insist on considering my promo check as a new purchase. This is outright fraudulent business practice. 

Please see mostly rounded off charges below : XX/XX/XXXX PURCHASE INTEREST CHARGE {$2.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$32.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$39.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$69.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$120.00} Apr XXXX PURCHASE INTEREST CHARGE {$130.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$110.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$110.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$130.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} I have attached all relevant documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: EOS Holdings, Inc.
State: NV

Complaint narrative:
I have to say the date was a while back probably XXXX or 2019 when I had XXXX XXXX The problem was I closed my account with a XXXX  balance and a few months later they said I owe them a balance. I dont know why most cable companies charge a balance and say money is still owed when someone closes their account because he or she no longer needs it. But, I was getting these phone calls from a collection ( EOS ) saying I owe money to a cable company which later I paid. Its still showing on my credit report as in collections and open impacting my credit score. I tried one company XXXX XXXX XXXX to have it removed and to fix my credit report but they were just taken me around in circles telling me the same thing over and over again ; so, I canceled my service with them and went with someone else who has made progress with in a month. But EOS has my credit score hostage when I gain points that it drops back down and when I try to earn points by renting things and paying them off on time I do not receive any points what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently Limit My account For No Reason And I'm Facing Financial issues And I didn't do Anything Wrong And they hold my money 180 Days for no reason. And I need That Money Urgently Because I'm A Facing Financial Problem Due To Corona. Please I want Money. 

My PayPal Email- XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: NV

Complaint narrative:
I've been trying to fix my credit report says XX/XX/XXXX do the XXXX XXXX  program up credit repair that I paid a lot of money for only to be disgustingly misuse and abuse by the address I was living at at the time I was doing my credit repair myself through the XXXX XXXX program I do appreciate. Recently I found a house on my credit report as fraudulently added and placed on my birthday XX/XX/XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX as I'm living in a Section 8 Housing Authority who refuses to change my name to my legal name I just changed it to as of XX/XX/XXXX through Judge XXXX XXXX XXXX XXXX XXXX XXXX after giving my new birth certificate new Social Security card to my caseworker XXXX XXXX and her supervisor mr. XXXX XX/XX/XXXX but was refused. Then after I find this illegal house under my information on my credit bureau report I advised her superiors and that has been nearly a month ago and have not received any response. This morning XX/XX/XXXX XXXX XXXX. I went to my mailbox and found Experian after I submitted my fax regarding illegal information on my credit report on the XXXX of XX/XX/XXXX and their response shows dated as of XX/XX/XXXX coming to my home leaving out my last name XXXX. This whole credit report has been a traumatic experience and I wrote it 2 hours because the first hours was intercepted through the identity thieves and government official vehicles. I have to admit it my complaint in full document form to you and to Experian to fix my credit report and my name as it should be as of XX/XX/XXXX as it should be XXXX XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX they came to my home address to my current address after I submit it affects to them showing what my name is already supposed to be.

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