vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: VA

Complaint narrative:
I am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. XXXX XXXX opened in XX/XX/XXXX, SYNCB opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. 

Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. 

I would like to make it clear that i have not consented this at all. 

P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from Paypal, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to 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 explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi, I have an XXXX XXXX credit card, issued by Bank of America ( BoA ). I have spent months working towards a kitchen remodel project. I needed to make a payment on my credit card on XX/XX/XXXX, which was above my credit limit. I spoke with a BoA representative on Thursday to try and have my credit limit increased, which was rejected. I asked them on the phone whether I could transfer additional funds onto my credit card now, in effect to increase my available limit to spend, e.g. my limit is $ XXXX, if my balance is XXXX and I transferred a payment of $ XXXX, I should then in effect be able to spend up to $ XXXX before I hit my $ XXXX limit. I was told I could do this. 

I transferred an amount on Thursday XX/XX/XXXX. I then tried to use my credit card over the weekend on a couple of smaller purchases. I then have received notices today that my internet and utility bills debited from this credit card have been rejected. I spoke with BoA who told me that because I transferred more money than the limit I have, they have placed my funds on hold for 10 days. Not only this, but they have prevented me using any of the normal credit I have during this time. So in short, they are holding $ XXXX of my money without even notifying me of this, and not allowing me to use my credit card because I tried to give them 'too much money '. Additionally, my bills are also getting rejected, which is causing me a huge inconvenience and could negatively impact my credit. I spoke with multiple people at BoA, all of whom told me that no one can overrise this 10 day period. How can no one at BoA override a system? I don't care if they reject it, but holding my money for 10 days without notifying me and blocking my card is completely unacceptable, and I have a strong feeling this is actually illegal- I can't see anything in the terms and conditions of the card that would allow BoA to do this, and it just feels plain wrong that a bank could do this. 

I am now in a worse off position than I would have been if I had done nothing, and my kitchen project that I have spent months on has been de-railed because of this. It is completely unfair, and potentially illegal.

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 2023-01-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX permission to furnish these accounts. American Express acct # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX I do not recognize the inquiries that appear on my credit report. I have requested XXXX to remove these inquiries several times and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I did not receive my {$400.00} bonus for completing the terms of opening a checking account, setting up direct deposit, and performing debit card transactions ( see attached terms ). I logged into my online account and looks like it was closed without my knowledge with funds still in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
Paypal has decided to penalize my small business by enforcing a unlawful wage cap on my earnings. My company has just started to take off financially after many years of struggling. My business model underwent some changes that resulted in a minor success. When I began to earn over XXXX a month they decided to enforce a ceiling cap and now skim my earnings and hold them for 21 days. This has stopped all growth as I am unwilling to give paypal my hard earned money for 21 days. I have spoken to them and they are unwilling to fix this. I am hoping the government will get involved and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: IL

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681 Transunion XXXX XXXX XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give Transunion XXXX XXXX XXXX permission to furnish these accounts. XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as well as XXXX Inquiries listed on my report that I do not recognize

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 2023-01-30 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX I contacted LexisNexis due to a tax lien from the XXXX XXXX XXXX for {$500.00} is reporting from LexisNexis. Upon speaking with a representative I informed I spoke with XXXX XXXX with XXXX XXXX XXXX whom stated no taxes were withheld year XXXX  ; in order to resolve immediately I would need to pay the balance and once requested documents were reviewed that would show no taxes were withheld I would be reimbursed. Due to it was going to be 90 days I paid the balance. 
LexisNexis never contacted me informing that they were reporting nor did LexisNexis have a valid address for me. 
I requested to speak with a manager due to the representative being rude & disrespectful. A manager by the name of XXXX return my call on XXXX XXXX ; he was also being rude until I mention about the lawsuit against LexisNexis and would be complaint with FTC. 
XXXX stated a dispute was entered XXXX XXXX and would take up to 30 days to remove due to he would need to verify. I informed XXXX XXXX XXXX XXXX XXXX XXXX did not and does not report to LexisNexis and that I am requesting for this matter to be resolved immediately due to LexisNexis robotically searched public records to gain assess for this debt that I don't owe that was done in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX ( XXXX ) called my husband who has nothing to do with my debt at XXXX in the morning and told him the amount of debt owed and told him that he had to pay it if I didnt. They then again contacted my mother from another number and told her she must pay the debt or she will be responsible. I can provide phone records from both instances. I can also provide where they call me up to 6 times a day some days but at least 2 times every day. I have asked for mailed correspondence and have not received anything. They could cause a divorce by telling my husband my business and my debt that he has nothing to do with. I am at the point I am going to get a lawyer if it is not resolved accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
Today XX/XX/2023 i received a call from Gm Financial at XXXX. spoke with a representative and advised that i was in a public places and couldn't talk. Then at XXXX XXXX I received an email stating they were having difficulty reaching me. This has happened more than once and should be documented in their records. This is considered double contact in the same day and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
The entity, Comenity Bank, is the servicing custodian for in this case, the XXXX XXXX issued under the XXXX XXXX marketing banner. I made a wire transfer to them which as their paperless statement indicated was processed on XX/XX/XXXX, well within the timeframe set forth for the due date. However, after perusal of my XX/XX/2023 closing date statement, I see where the computer has accepted my payment, charged a late, returned check, AND a REFUND check charge. Also, my grand total of fees charged for the year is not {$90.00}, but rather 30 dollars. Even after intervening on my behalf, their reticence to hear my interrogatory led me to seek a more studied advocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA

Complaint narrative:
New Jersey Higher Education offset my taxes between XXXX. Unsure of the exact date, I tried for weeks to talk with someone from the IRS, they are the worse, it's impossible to speak to anyone there. I tried calling the NJ Higher Education and I keep being transferred to XXXX XXXXXXXX XXXX. When I spoke with XXXX they were so nasty and disrespectful towards me. I never received a letter of my debt of settlement paid in full. Yet, somehow XXXX is claiming that I owe them. The student loan was from XXXX. This is affecting my credit, this debt is not valid. Here we have NJ offset my taxes and now XXXX is trying to claim money from me. These practices are beyond unlawful how I was never notified they even had my account. An account that is closed, that should be closed. Please help me, I'm in the process of being a first time home owner and this is hindering me from achieving my dream. I want their scheming to CEASE AND DESIST!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these XXXX mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received a letter in the mail on XX/XX/23 about a recent application that I did not apply for from Capital Comenity Bank. I have tried calling for 2 days and no one will answer the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect information is reporting in the credit report

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 2023-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
A collections account has been placed on my Credit report by a third company regarding the same alleged debt. This third company " Consumer ADJUSTMENT CO '' has placed a collection account on my credit report in the amount of {$580.00}. As stated earlier this is the third time " XXXX XXXX '' has been placed on my credit report via a third party collection agency. This alleged, false debt has been previously addressed with XXXX XXXX XXXX and most recently with XXXX XXXX solutions. I have previously filed a complaint and the complaint was resolved by XXXX XXXX XXXX deleting the account from all of my credit reports. The complaint I filed with the CFPB has a reference number of XXXX. I have no knowledge of Consumer Adjustment Co prior to seeing the account on my credit report. I have never had an account with this company and have also never had an account with XXXX XXXX. Consumer Adjustment Co has placed this account on my credit report without any prior notice to me. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I was the victim of identity theft. Someone used my previous last name, with my DOB and SS number to open a XXXX XXXX through Barclays. I have not used this last name since 2016, this person charged XXXX dollars. This account is not mine. Despite numerous calls, sending of the police report, ftic report and letter they are still refusing to acknowledge this is a fraudulent account and demanding that I pay the money or they will ruin my credit. This is not my account and it was not me that opened it

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 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. 

The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good.

Thank you for your help in protecting my federally protected consumer rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Well this my second time submitting a complaint on wells Fargo. My previous compliant id being XXXX I can not get a answer on to why they aren't reporting my vehicle loan to the credit bureaus. ( they previous just say suspended but don't give a reason ) I've even tried making a payment late and haven't received a late notice nor any form of communication on their behalf. I have called multiple times and mailed two letters as I were asked to. They had a generic answer with vague detail to my previous complaint. As I have been attempting to open up my own business and have applied to some business loans I want my payments to show on my car. I have been in procession of the car with the loan for 13 months and have nothing to show. Wells Fargo is causing my fiscal harm and won't confess to it. They said they would post the delinquent payments but chose to suppress the prior positive payments. It took me reaching out to the XXXX for them to even make a decision. Wells Fargo is screwing people over on the credit score and causing me fiscal harm. This is unacceptable business practice.

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had a collection for the amount of {$700.00} under the name XXXXXXXX XXXX that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal

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