vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
i had my purse stolen one night at a house party with friends and now i wanted to start build my credit up and i go to check my credit and i see all this mess i never in life thought this would happen to me im so mad right now and im not paying debt that i didnt do so i did research what i can do and now im here inquriy below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account below XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX Account {$54.00} XXXX XXXX XXXX Account {$170.00} XXXX XXXX XXXX  Account {$110.00} XXXX & XXXX Account {$89.00} XXXX XXXX XXXX Account {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: GA

Complaint narrative:
U noticed a few inquiries in my report I did not authorize

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 2021-09-25 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: GA

Complaint narrative:
U noticed a few inquiries in my report I did not authorize

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 2021-09-25 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: GA

Complaint narrative:
U noticed a few inquiries in my report I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a savings account with Marcus by Goldman Sachs, after a few weeks I tried to do withdrawal and I couldn't, after a few tries and after multiple calls to costumer service they closed my account without telling me the reason, it seems like they are entitle to not share that informations, even if its your own account. 
It's been 3 weeks since I called, and still haven't received my {$350.00} dollars that it was in my account, I've been calling every week since, and they keep telling me that they don't know how long os going to take to get my money back. 
They don't just closed my account without reason, but also they are retaining my money and not giving me any information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using XXXX XXXX and there suggested credit cards for 2 years or better. My first credit card was a suggestion from XXXX XXXX and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX  XXXX reported to both XXXX  and transunion and they took XXXX points. They said because I used to much of the balance, utilization? I get it now. XXXX XXXX offers me another card from XXXX  XXXX to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with XXXX XXXX and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My XXXX from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my XXXX  XXXX  account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also XXXX XXXX keeps telling me I have a saving account with them when I don't, never had.

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 2021-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
THIS IS A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! CAPITAL ONE JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma, LLC
State: OR

Complaint narrative:
Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using credit karma and there suggested credit cards for 2 years or better. My first credit card was a suggestion from credit karma and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX XXXX reported to both exifax and XXXX  and they took 126 points. They said because I used to much of the balance, utilization? I get it now. Credit karma offers me another card from XXXX XXXX  to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with credit karma and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My fico from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my credit karma account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also credit karma keeps telling me I have a saving account with them when I don't, never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: OneMain Finance Corporation
State: NY

Complaint narrative:
There are two inquiries for OneMain for a loan. I didn't make these inquiries. When I called OneMain they provided a different phone for the inquiries and I requested that these inquiries be removed. I also stated this is a case of fraud please don't disburse any funds. I was assured that inquiries would be removed and said person would have had to come into the branch and provided ID. Please help me have 2 inquiries removed from my report. Dates XX/XX/XXXX and XX/XX/XXXX. Not that this has anything to do with this case. I provided my ssn to a XXXX ad for work which I believed to be a scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked Transunion to verify this judgment and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I sent this letter to all three bureaus and it was removed by XXXX and XXXX. I have also sent this letter to XXXX XXXX  and XXXX  and they also said they do not verify any information. I sent another letter to Transunion and all they sent back was verified. I have asked them how did they verify the bankruptcy and they have failed to sent me proof.

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 2021-09-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
THIS IS A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! XXXX XXXX JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello I believe I was scammed when trying to buy an apartment. I went onto website XXXX since its a military safe place to look for housing. Then I found this apartment on it. Then I signed a renter and lease agreement and then I was asked to send {$3100.00} to the landowner of the apartment to be able to move into this apartment on XX/XX/XXXX and move in XX/XX/XXXX. The only person I spoke to about these things was the real estate manager. Now the real estate manager is avoiding me and not giving my money back when I said I no longer want the apartment. My bank I use is navy federal and the bank I sent it too was XXXX XXXX XXXX  account owner is XXXX XXXX XXXX. The real estate manager is XXXX XXXX. My bank has not tried to help me with this situation, I believe this was a scam. Please may you help me, thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony aka Paypal Credit changed its account terms without my or many other consumers ' awareness. I logged into my account to make a payment and noticed my due date had changed from the XXXX to the XXXX and I had a late fee of {$29.00}. After the fact, I became aware the new terms were disclosed on an earlier monthly statement I did not view. Granted an attempt was made to communicate the changes, but the results were poor in that many people were caught off guard and unaware of the changes. 

I resolved my concerns by immediately closing the Paypal Credit account and shortly afterward paying the balance in full. I consider Synchrony to be a predatory lender noticing repeated patterns in accounts they service and present for a variety of retailers. Fortunately, I am financially able to pay off and close the Synchrony accounts to protect my own interest. However, am very concerned for those who are stuck with these types of abuses. Attaching documentation to illustrate.

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 2021-09-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2021-09-25 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: NJ

Complaint narrative:
On XX/XX/25, I wrote to Experian ( as well as the other credit bureaus ) to inform them there was a lot of suspicious accounts that didn't belong on my credit report. I'd recently experienced an identity theft issue and included a copy of the police report as proof of same. While the other credit bureaus investigated and removed the questionable accounts, Experian claimed to have investigated the information but clearly did not, as they are the only credit bureau that did not remove the accounts AND they even added a duplicate account. I wrote to them again on XX/XX/XXXX to again ask for their help and they eventually responded with the same actions and offered zero assistance with the situation, dismissing my problems as frivolous.

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 2021-09-25 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: FL

Complaint narrative:
In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX XXXX XXXX credit card account that shows a charged-off status with a recent {$8600.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX XXXX XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.

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 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I used XXXX XXXX XXXX  's bill payment service to pay barclays business credit card. At this time my bank account was though to be hacked. As such they put a hold on all payments. Barclays is now charging a {$39.00} return payment ( XX/XX/2021) for that attempted payment. I tried calling twice to discuss the unique situation with no solution.

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 2021-09-25 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint on XX/XX/2021 with Experian about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? I need answers now!

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 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Have reached out several times trying to get documents because I was told that I took out a second mortgage on the home but I did not and ask for the documents where I would have signed if I did. I have not received any documents to support this. After several calls I was sent some documents stating that If I think that I have been a victim of Identity thief then take these documents to the nearest police department. I have not received any documents with my signatures on a second mortgage and I want the amount of {$9600.00} to be removed from my mortgage immediately.

Company response to consumer: Closed with explanation