vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
- In accordance with fair credit reporting act XXXX XXXX - XXXX. Account number : XXXX - Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2022 XX/XX/2022 identity theft scamer got my social security number and I use the card and the company restricted told me to dupite of my credit report and call credit bureau did not work and the company rejected my payment and reject my work program and company told they did not work with 3rd person because of frustration account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: MA

Complaint narrative:
Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im XXXX someone used my name and personal information to open a XXXX XXXX  account I did not find out until mid XXXX when I was declined for mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX I continue to dispute off my credit because I never received the box to even start table but they still charged me for something I never received never got to watch XXXX XXXX this happened last year I've been trying to dispute since they were not removed from my credit and it's big time impacting me I've been disputing for a whole year now and still nothing there's been sending me bills I even emailed them disputing it and nothing is done they continuously told me that it's mine and I have no choice but to pay them for something that I never got to even enjoy it's off one of my credit statements but not the other and that's really affecting me because it's a big mark and on top of that my name is not how you spell right

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 2022-04-16 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: Upstart Holdings, Inc.
State: MD

Complaint narrative:
I have contacted upstart numerous times as well as opened several disputes with every credit bureau regarding the inaccurate information regarding my payment history in XXXX of 2021 and XXXX of 2021. I have email statements verifying that I was never 30 days late in these months and yet none of my credit reports are being updated accurately reflecting my payment status with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-04-16 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: ID

Complaint narrative:
I submitted several disputes to experian and provided proof of XXXX XXXX account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.

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 2022-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had been a totally given up [ discriminated ] citizen who have lost many things in life. But recently., I had a chance to check my credit score with one of the credit reporting bureaus which encouraged me to try applying for a credit card based on the GOOD credit score that I had never had for more than twenty six years for some unknown reason XXXX. Despite the fact that I would not want to submit a complaint against my bank and a prepaid card [ XXXX ]., some weird or unusual thing happened when I tried to link my bank account to my debit card. A company which is called XXXX that would verify bank accounts rejected my attempt by claiming that the card I am trying to link is not a bank debit card but a prepaid card which must have been picked from any store which would sell a prepaid XXXX card. Despite the weird activity., I proceeded to apply for small line of credit with credit card issuing company which does not recognize my residential address as existent in the United States or Virginia at all. I managed to submit the application and it got denied at the speed of the same old story at the spot. I suspect permanent hoax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity XXXX XXXX XXXX decided to close my account for absolutely no reason and I believe it was a retaliation for complaining about the horrible customer service I received when I called on XX/XX/XXXX. This company is engaging not only in highly unethical business practices but allowing their reps to penalize customers who are unsatisfied with their services. 

Everything started when I used my card overseas for one single transition in XXXX, 2022. I immediately received a text stating that card is blocked till further verification. When I returned home I called the company on XX/XX/XXXX and spoke to a very rude female rep.I did not like her tone and how disrespectful and biased she was on the call so I told her to transfer me to someone else immediately as I won't tolerate that disrespect. The second rep who was a male was helpful, walked me through the identity verification check and confirmed at the end of the call that my card and account should be good to use immediately. 

Fast forward to XX/XX/XXXX I find out that my card was actually closed off instead of being unblocked and that the person who did it behind the scene was a female rep. Her name was XXXX I believe. She listed the reason as " Didn't pass the identity check '' even though that's a lie. I'm certain the same unprofessional rep I spoke to on XX/XX/XXXX is the same person behind closing my account and lying about the reason. I escalated to a supervisor her name is XXXX ( Extension XXXX ) and confirmed that my account was closed by mistake. She said that she will reinstate my card immediately but I'm not sure they will be reviewing the call recording with that rep or do any internal investigation about the retaliation part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have lived in the United States close to XXXX XXXX years [ XX/XX/XXXX ]. I believe and/or guess that I am a naturalized citizen today. In my life time [ half of my years on earth and/or the United States XXXX XXXX, I did never have a single chance to get financing of any sort or kind because of many factors which surpassed human ability to quantify and/or analyze the why, when, where, what, which, when questions. I did never walk head up like others when my application gets approved because it is million " Denied '', " Declined '', " Not at this time '' so on and so forth. But through the wills of god., there were times when I overcame unbelievable and/or very bad competitions by financing my personal stuff by myself which always made many other bad guys turn up and get me XXXX  or XXXX  for some unknown reason., every time such challenges became shame and/or disgrace to the concurrent regulators., or their policies or whatever stuff and new policy must convene because of such and such stuff that has to be brought when something did not work or got beaten by not anticipated pathway. To make the long story short. I have GOOD or close to VERY GOOD credit score [ XXXX ]., I assume. But two recent attempts to make things worth moving by applying for a line of credit which would amount no less than {$990.00} was automatically declined and/or denied for the thousandth or whatever time since XX/XX/XXXX. Where is the intractable obstruction which hypnotized the existing laws, rules and/or regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is this merchant named " XXXX  '' that I filed a fraudulent dispute against in the past as it somehow got my Capital One credit card information. Yet, after I changed my Capital One card numbers multiple times, the merchant XXXX  was still able to process new transactions through my new card numbers. Considering I never provided XXXX with my new account numbers, I believe Capital One allows past merchants to be able to see the customer 's new account number. 

When I request for my capital one credit card to be closed on XX/XX/XXXX, I paid off the balance and did not see any incoming transaction. Suddenly, now I received a statement from Capital one {$85.00} charges from XXXX on XX/XX/XXXX. When I called customer service today XX/XX/XXXX to file a dispute, the female representative was very " annoying ''. She kept asking " did you give your new card number to the merchant? ". I told her no. I told her there were disputes against this merchant in the past, so no reason I would have given the new card to the same merchant I had disputed against before. And more importantly, I closed my card BEFORE these transactions occurred. Then she asked me that very same question again as if she was trying to irritate me or to avoid solving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received an email from Citizens online bank. The email notified me that an account was opened up in my name. i called the bank and they have closed the account, but then I received an email from a credit card application after. This happened as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
in XX/XX/2020 i purchased on XXXX XXXX bike components : XXXX XXXX XXXX valued {$860.00}, and XXXX XXXX XXXX valued {$1700.00} The items were planned to be delivered via XXXX on XX/XX/XXXX XXXX the following tracking numbers were provided XXXX XXXX On XX/XX/2020 the items were marked as delivered. however the items were not at my doorstep and nowhere around the house. 
Tracking number XXXX would have required signature for delivery. 
I believe the items has been delivered to the wrong address, however both XXXX and XXXX refused to open an investigation to find out where the packages where delivered. 
I then dispute with the credit card company which is Apple Card managed by Goldman Sachs. The dispute was resolved in favor of XXXX without any valid reason, although i have been trying to get in touch with XXXX to address the issue which instead ended up closing my account because of the dispute with the credit card company. 

many time in the past 2 years i tried to appeal the decision of the dispute with Goldman Sachs. New dispute was always opened but the result was always the same. 
Recently there were reports and complaints from many users that Apple Card was always closing dispute in favor of merchant rather than consumer. Upon such reports i received an email from Apple Card that they were reviewing again my dispute closed not in my favor, however once again the dispute was closed in favor of the merchant. 

2 years after i find my self with a charge of {$2600.00} which i have already paid off, but with no items ever received. A police report was also opened and sent to Apple Card multiple times. The police report is also attached to this complaint. 

Apple Card Goldman Sachs has been one of the worse credit card with one of the worse customer service ever, with no interest to take the side of the consumers with no apparent valid reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One card ending in XXXX approximately XXXX I applied for a credit card advance {$6000.00} included a 2 % charge or {$120.00} was expecting a check which never arrived so i canceled it was removed however {$120.00} was not removed called the XXXX they stated would be removed within 4 days on the XXXX of XXXX. I contacted them on that day cause there was a min payment of {$25.00} due in a nutshell i was told i would have to make 2 monthly payments before it would be removed. 
please advise XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 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: Upstart Holdings, Inc.
State: PA

Complaint narrative:
This account does not belong to me and is under litigatio.Account was opened fraudulently. All supporting documents have been sent to creditors and credit bureaus. Requesting all delete from record immediately! 

I took loan out with this same company in the past and had it paid off. Now unknowingly the same company has another account opened up with my same information. The account was not opened up by me. After reviewing information that the creditor provided on this matter ; it came to prove that the information on the account are also not mine : phone number, email, bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: TX

Complaint narrative:
The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXX XXXX  for several months now, with no updates to my credit score in the last 3 months.

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 2022-04-16 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-04-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

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 2022-04-16 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: ID

Complaint narrative:
I submitted several disputes to XXXX and provided proof of XXXX XXXX  account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.

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 2022-04-16 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: ID

Complaint narrative:
I submitted several disputes to XXXX  and provided proof of XXXX XXXX account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.

Company response to consumer: Closed with explanation