vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.

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 2021-06-10 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Ladera Lending, Inc
State: CA

Complaint narrative:
I filed a complaint ( ID : XXXX XXXX on XX/XX/XXXX about an unauthorized hard inquiry made without my consent. 
I received a very nice phone call and letter from Ladera Lending admitting their error and their word both written and verbally, that they would remove the hard inquiry. 
As of XX/XX/XXXX, all three bureaus show their hard inquiry on my credit report. They won't go away until XX/XX/XXXX. 
Can you make them do what they promised and remove the hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OPORTUN FINANCIAL CORPORATION
State: LA

Complaint narrative:
I just opened a brand new account with this company. And, they seemedvery sketchy None of my information was pulling up online. Everything was redirected an when I finally called them and asked them Or told them that it's been 20 days and that I can't pull up any information. The guy told me. 1st of all he said told me what Web browser I had to use. Then he told me I had to delete everything on my phone in order to use their website. And when I told him that I was a developer and that I just couldn't do that, I couldn't closeout existing projects. He said, well, I suggest if you want to. Use our website. Buy a new phone. 
This is my first experience speaking to them and I was shocked by it. I said well, how about I just get a new credit card? He said fine. Then he just hung up. So if that's not the worst customer service. Probably in the history of The human race. I don't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
Sunrise Credit Services , Inc. ( SCSI ) contacted me by letter dated XX/XX/2021 about an alleged debt of {$150.00} owed to XXXX XXXX. I received the letter on XX/XX/2021. 

SCSI is incorrect as I do not owe the debt, and I have documents proving that. 

I responded to SCSI 2 days later via letter sent certified mail and advised the company that I do not owe the debt, that I dispute the validity of the debt, and that I have proof that I do not owe the debt. 

I also notified SCSI that I presented my evidence to the previous debt collector handling this matter. That company then apologized, closed its file, and promised to remove the item from my credit report. 

I also asked SCSI for additional information, including proof that it is authorized to collect the debt. The return receipt shows that SCSI received my letter on XX/XX/2021. 

On XX/XX/XXXX, SCSI responded by sending the documents attached and marked as Exhibit A. These documents contain violations of the Fair Debt Collection Practices Act : SCSI has provided no evidence that it sought to verify the validity of the alleged debt, despite knowing that a previous collector stopped all efforts to collect it when presented with my proof of payment. 

SCSI has provided no evidence that is properly authorized to collect the alleged debt, as it has failed to demonstrate that it is properly licensed and insured in the state of New York, where it is located.

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/21 I mailed a letter to Transunion ( Certified with USPS tracking number of XXXX XXXX XXXX XXXX XXXX XXXX ) that was delivered to them on XX/XX/21 requesting that the ONLY employer on my report be my current one XXXX XXXX XXXX XXXX XXXX. I just received an alert TODAY, XX/XX/21 that they then broke the law according to the FCRA and added a FORMER job on my file ( XXXX ). They need to remove this ASAP as I have been a part of numerous data breaches and threats of identity theft. I also expressed this in my letter which will be attached along with the mailing proof and the proof that XXXX XXXX added XXXX to my report ( which shouldn't be ). Why do they feel as though they can do whatever they want? I NEED XXXX  REMOVED IMMEDIATELY AND I NEED ONLY THE ITEMS I LISTED IN MY LETTER TO THEM ON MY REPORT. I HAVE A LEGAL RIGHT TO DO SO.

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 2021-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
please review the accounts below that were reported, without any warning, it is hurting me.

Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

Identity Theft XXXX XXXX  Account Number : XXXX** This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax changed my date of birth ; and reported it incorrectly for nearly a year. I requested the name of the entity who changed my DoB. They have never answered this after repeated requests. They however continually state that my DoB was verified for months after I disputed the obvious fact. so " who is reporting '' this DoB? and who changed it from the original and with what documents? It was not me, as I have no drivers license, SS card with the wrong information. So, the Dob was changed for what reason and by whom? Clear question : Who is reporting the on file Dob?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Walmart credit card account was removed off my credit report all three of them this morning on XX/XX/XXXX account number ending in XXXX and I would like for this account to be re-inserted back on my credit file thank you I called capital one and spoke to a supervisor and she refused to help me and giving me a hard and she also refused to transfer the call to a higher office and was acting too shy of assisting me over the phone this is unprofessional and I was also discriminated on a credit review and Ive been with capital one since XX/XX/XXXX XXXX still stuck on {$400.00} limit with a credit score of XXXX with XXXX  and right now the account is not reporting to the credit bureaus as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I received a collection letter for {XXXX} owed to XXXX XXXX  originating on XX/XX/XXXX. And discharged on XX/XX/XXXX. The letter claimed it was from a XXXX XXXX XXXX account. 
I did not have a XXXX  XXXX XXXX account, in fact I did not have a XXXX XXXX account at all. 
In XXXX, I opened a XXXX  XXXX XXXX account which has never has never been in arrears. 
Ive spoken with both XXXX  XXXX XXXX and they advised me to report it to all 3 credit agencies. SIMM Associates ( the debt collectors ) said they would open an in house investigation regarding letter and advised to file police report. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I got the American express prepaid card I bought it on the XXXX of XX/XX/2021 it sais {$1.00} to load monthly service fee of {$6.00} monthly the first charge on the card is XXXX i try to speak with customer service they keep intentionally hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: MO

Complaint narrative:
There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called Experian, XXXX, and XXXX XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.

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 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX XXXX continues to insist that I owe {$67.00} for medical supplies shipped out on XX/XX/2020. XXXX XXXX currently has hired the debt collection agency I.C. System to assist them in their attempts to collect on a debt that is not owed. 

My health insurance company XXXX XXXX has already made payment in full to XXXX XXXX for the services rendered. I have included the explanation of benefits as proof. 

I have made nearly a dozen phone calls to XXXX since XX/XX/2020 but the imbeciles employed by XXXX have yet to fix this issue.

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 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason with no warning even and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them then I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureau Equifax is not complying with their own policies in a timely manner. I submitted a dispute via mail 30 days ago on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
please review the accounts below that were reported, without any warning, it is hurting me. 

Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 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: DISCOVER BANK
State: PA

Complaint narrative:
I ordered the XXXX XXXX coolant required for my XXXXXXXX XXXX XXXX through XXXX XXXX. This was on XX/XX/XXXX. 
Yellow coolant was shipped twice and returned both times, with written XXXX XXXX return authorization. I have XXXX receipt of returned coolant. My Discover Card, account # XXXX, will not accept the credit return of {$140.00}. I spoke to Discover Card rep three times and they agreed with me, but I an being harassed by Discover Card and their debt collection and every month being charged {$40.00} late fee and interest on product that was returned. I have told Discover I will not pay for product I returned and sent the backup documentation. I contacted XXXX and was told credit was approved and Discover will not recognize the credit. I have 23 years business with Discover without one issue. How do I stop this harassment. I need your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
BBVA USA has been harassing me with phone calls regarding my personal loan. The calls come from XXXX. I answered one of these calls on Tuesday XXXX, advised I will be able to rectify the issue on XX/XX/XXXX when I get paid and asked for the calls to cease. That was at XXXX PST. On XXXX I received three calls between XXXX and XXXX PST while in the middle of a medical virtual appointment. I received an additional call the afternoon of XXXX at XXXX PST. On XX/XX/XXXX I received a call at XXXX PST, XXXX PST, and XXXX PST. In the XXXX PST call I spoke with someone named XXXX who stated I was still receiving calls due to not setting up a payment arrangement despite having stated on XXXX that I will resolve the issue on XX/XX/XXXX. This is abusive and harassing, and interfering with my sleep and my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In the initial communication with Capital One they did not state it is was an attempt to collect a debt. Capital One Bank continues to send monthly statements that does not state it's an attempt to collect a debt. Pursuant 15 usc 1692e ( 11 ) a debt collector must state it's an attempt to collect a debt under the fair debt collection practices act and Capitol one does not state that. Capital One Bank has been very false and deceptive. This is in fact a violation of 15 usc 1692e ( 11 ). I can not pay on a positive balance. That's a violation and highly false and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft 08 SYNCHRONY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-06-10 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Date of inquiry : 05/23/2020 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft 01 COMENITY CAPITAL BANK XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TN

Complaint narrative:
I notified Equifax back in XXXX of XXXX that I have been a victim of identity theft. I contacted them today XX/XX/XXXX letting them know that someone attempted to get things using my information. They did nothing but kept reading from a script. The things attached to this identity theft report need to be deleted.

Company response to consumer: Closed with explanation