vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BANK OF AMERICA OPENED AN ACCOUNT IN MY NAME I I HAVE I HAVE THE PAPERWORK THAT AFTER EVERYTHING THEY DID THREATEN ME WITH TAKING ME TO JAIL AND GOING TO JAIL AND SO FORTH THEY FINALLY SENT ME A LETTER SAYING OH OUR BAD IT WASN'T US BUT THAT IS STILL ON MY CREDIT REPORT AND I'M STILL GETTING SCREWED

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 2023-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have attempted 3 time over three weeks to submit this dispute to BofA and each time I am told 'Dispute service ' not currently available. That is BofA does not allow me to submit my dispute. Dispute is : XXXX charged {$27.00} by XXXX for a subscription service. 
XX/XX/23 I wanted to add another subscription service but I was told I now had to buy the whole subscription sevice package, even though it included my recently purchased service; but that when I purchased the full package, the previous purchase of the now duplicated service charge would be refunded. I therefore bought the full package for {$150.00} charged to me by XXXX on XX/XX/23. 
I have not been refunded the {$27.00}. Now XXXX says that I have applied for the refund too late, although at the time of the new purchase I was told by the XXXX agent that I would get the refund automatically. 
I dispute this {$27.00} transaction made by XXXX to my CCard.

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 2023-07-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX XXXX XXXX XXXX XXXX  As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, Equifax 's payment history shows paid on time for XX/XX/XXXX. 
The first 60 days late was reported XX/XX/XXXX. Where is the XXXX  days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The Equifax report does not show this account sold. 
According to Equifax and XXXX reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. Equifax and XXXX are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and Equifax is reporting the balance as XXXX The account opened in XX/XX/XXXX Equifax shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON Equifax report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with XXXX XXXX XXXX XXXX complaints # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
Close the account and remove the fees associated with an account I never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Yes that's simple Capital One credit card I got a credit card and they cancel the thing that was fraud used on it they even sent me a letter that I'm going to send here that my credit wise and credit card was was closed but yet they haven't taken the chargers or give him my card back what I would like is my card back and all these charges to go away I will send the corresponding picture and they still won't take it off and it's on my credit report denying me everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Payactiv, Inc.
State: TX

Complaint narrative:
As stated in my employer benefits guide, they offer employees the ability to access their earned wages instantly instead of waiting for payday. You're allowed XXXX XXXX of your wages up to {$600.00} if you receive direct deposit to your payactiv account. In the past, I've accessed more than XXXX XXXX but now the company is stating my limit is only XXXX XXXX and this is the 2nd time they have escalated this same issue to another department to fix, but they refuse to fix it prior to the start of the new pay period which means when and if it's fixed, I can not access the wages since they'll be for last pay period. The Customer service agents can't do anything helpful and they are clueless and responses by email are encouraged but take hours between responses. I contacted them to provide the statement from my employer benefits showing my limit should be XXXX at XXXX, and it is now XXXX when someone finally responded saying the time to fix issues is XXXX to XXXX hours. This company has no transparency or helpful staff to solve issues. They lure consumers in then make it impossible to use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, XXXX 's payment history shows paid on time for XX/XX/XXXX. 
The first XXXX days late was reported XX/XX/XXXX. Where is the XXXX days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The XXXX report does not show this account sold. 
According to XXXX and Experian reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. XXXX and Experian are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and XXXX is reporting the balance as XXXX The account opened in XX/XX/XXXX XXXX shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON XXXX report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with 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 2023-07-15 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
Going back well over a year with XXXX XXXX  credit card through XXXX XXXX XXXX someone ordered someone opened up numerous accounts and tried to pay my card off I've been trying literally for over a year without a card with multiple accounts open and someone trying to pay on it that certainly Bank I'm XXXX won't do anything I want this I want it resolve I even have a case number here that I that they keep giving me XXXX they keep giving me the same complaint number in case number what I want is you know my card back and all the charges taken off so I can start over or or {$20000.00} because this is this right here has caused me not to get a car loan and not to be able to move on with my life with with my house and mortgage and so forth

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 2023-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Stash, L.L.C.
State: UT

Complaint narrative:
Requesting money stash to cease and desist and only send correspondence by mail. Cease and desist all request including ACH withdrawals from my checking account. Cease and desist all email communication as well. Failure to provide clear and understandable terms which were hidden on the full term of interest was not properly disclosed to me. Therefore, I am filing this complaint with the CFPB to have a written record of this cease and desist request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
This midland company sent a debt collection to MY FAMILYs home, in which I do not live and for a DEBT that was already found as to be FRAUDULENT by the original company BEFOEE THE DATE this letter claims they revived this account. This is ILLEGAL & Im going to sue this company if they do not cease their unlawful practices. And now I am official filing a complaint with a government agency showing XXXXXXXX XXXX illegal practice. 
Also attached is the letter from the actual credit card company SHOWING this was indeed a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: WA

Complaint narrative:
I recently conducted a thorough review of my credit report on XXXX by XXXX XXXX and discovered an erroneous piece of information on my TransUnion credit report. It is important to note that I have never been late on any loan payments, and I have successfully proven this to XXXX, resulting in the removal of a late payment from my record in XXXX. However, this same late payment from XXXX XXXX is still being reported as a delinquency on my TransUnion report. 

In an attempt to rectify this issue, I initially tried to dispute the error online but encountered a setback when I realized I had forgotten my password. Consequently, I proceeded to reset my password, and the TransUnion website assured me that I would receive an email containing a six-digit passcode. Despite my repeated attempts since XX/XX/XXXX, I have not received any communication from TransUnion regarding this matter. 

Frustrated by the lack of progress, I decided to reach out to TransUnion via XXXX on the same day. XXXX, a representative from TransUnion, promptly responded and informed me that my case had been reviewed. However, she explained that it required file maintenance, which would take approximately five business days to process. This conversation took place on XX/XX/XXXX. Disappointingly, upon checking my credit report today, I discovered that no updates had been made to rectify the issue. Furthermore, I noticed that TransUnion has listed multiple incorrect addresses, further complicating matters. 
My payment was due on XX/XX/XXXX and i made a payment on XX/XX/XXXX. There is no way i will be considered 30 days late. I have attached a document to prove that i made a payment on XX/XX/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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
disputed credit inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed address : XXXX XXXX XXXX XXXX XXXX XXXX, AKXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX ) Capital One Collection {$920.00} on all 3 Bureaus. I've sent multiple letters asking for evidence and proof that this account belongs to me and no response or evidence of any kind. 

XXXX ) XXXX {$690.00} Collection on all 3 Bureaus. Same as above. I've received nothing from this company and I don't own this debt. It's been close to a year and no response. 

XXXX XXXX XXXX XXXX XXXX {$1300.00} on XXXX and XXXX. This was never an account I had personally. They have not send me anything and again no evidence of me owning this debt. 

I need all of these accounts removed immediately. Don't care what their excuses are and their justification for reporting these erroneous accounts on my credit. I'm not tolerating this fraudulent reporting any longer. I've tried long enough to get evidence and response from them and the bureaus. 

I need you to help me to get them to remove these negative immediately because it's holding me up from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has posted an account on my credit report. Portfolio recovery associates is a debt purchaser. However Portfolio recovery services never notified me of my right to dispute the debt that they purchased from XXXX XXXX. In addition they claim that the Date of first delinquency was XXXX, 2016. THe original date of deliquency was XXXX 2016. with no payments or promises to pay being made after that,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have been trying to set off my PayPal account ever since they closed it and transfer to recoup everything to the principal account not the general which PayPal keeps stating about but the principal account which I am the beneficiary of when they use my social security number they know that they were using my estate funds I have been trying to address this matter for quite some time truth and Lending act Fair freedom of information act and several other consumer violations are made when assets are kept and not transferred to the principal account which I have stated to PayPal I want offset it and resend any contract that I had with them to recoup

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My ex-wife stole my identity and social security number to purchase a car. She did it as a co-owner without my knowledge. She wrote false information on the loan documents. She purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX. I was unaware until XXXX of XXXX when I was looking at my credit report and noticed it. Once I noticed it, I asked her to return the vehicle and get it paid off. I reported it to the police but they told me that they were unable to take it on as it is a civil case. I reported it to XXXX XXXX XXXX, however, they denied my claim. The total amount stolen was {$29000.00}. She stopped making payments and I felt frustrated and like I had no recourse and my credit was taking a hit so I made a few payments. I have made a fraud report with Experian and XXXX XXXX XXXX. I had a court date where she did not show up. so the judge didnt do anything because he didn't hear from her.

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 2023-07-15 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: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
I did not allow macdowel and associates to run my credit. I do not remember opening any cash plans. I was a victim of identity theft. I will upload the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
It's not my debt and I shouldn't have to pay it. It was already removed from my credit report. They need to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Apply for auto loan
And representing pulled credit multiple times without asking

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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