vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My friend, paid me {$40.00} thru paypal for my lawn service. Next he sent {$3.00} when I mentioned to him that I would have to pay an atm fee to withdrawal the first payment of {$40.00}. Unbeknownst to me, later on, this friend claimed that his paypal account was hacked and the supposed hacker disputed both transactions and after gaining access back into his account, he was unable to cancel the dispute. I disputed the dispute on my end, and submitted screen shots proving that the charges should have never been disputed in the first place. In the end, only the lesser amount of {$3.00} was the only dispute that was ruled in my favor. However, that amount was not credited back to my account. At this point, my account with paypal remained at negative {$40.00} something dollars. In keeping contact with paypal, i was told that they could not see any details and that i would have to contact the financial institution that my friend XXXX disputed the charges with.. In the mean time, my account then sat at a negative XXXX Lets say the charges were not disputed at all.. The total that was disputed was totaled at {$40.00}. How is my account with pay pal now $ XXXX??? Something is terribly wrong here and i am having a difficult time getting paypal to help fix the situation. A paypal manager did a credit to my account in the amount of {$3.00} as a courtesy.. However that is not the solution i am seeking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: I.C. System, Inc.
State: NC

Complaint narrative:
i have filled a dispute in regards to the incorrect items on my credit report. It has been 30 days and i haven't received any investigation results.

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 2021-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SHM Holdings, LLC
State: WA

Complaint narrative:
There is Arsenic in the water XXXX very high will kill my family this was not disclosed to us. The mortgage company did not take a well water test they did take a test from the XXXX XXXX. Which goes against VA XXXX. It is a requirement for a FULL well water test including potable water AND hard metals. SO now we have a house that is uninhabitable. Please reach out to me for any specifics since the information is personal information. You can reach out to me for documents we also hired an attorney and contacted VA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a capital one credit card holder for 2 years or more. As a result of my xredit card relationship, capital one solicited me to open a checking account also with capital one. I indeed opened a checking acckunt with calital one ( which is able to be seen on the same app as my credit card ) and when it was time to pay my credit card bill i did so timeously from my capital one checking acckunt to capital one credit card. Despite having the payment leave my capital one checking account on XX/XX/XXXXand post on the XXXX  XXXX credit card acckunt on the same day XX/XX/XXXX, the credit card division has arbjtrarily and capriciously placed an 8 day hold on the payment, preventing the balance on my cc acckunt from lessening and moreover preventing me from having acxess to the funds which have been apllied to my cc account without hoaever changing the availe balance. 

CalitL one credit card essentially wants to hold my funds which have cleared in their acckunt for 8 days after getting the cleared funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: United Collection Bureau, Inc.
State: MI

Complaint narrative:
Hello I am writing this complaint against a collection company by the name of United Collection Bureau located at XXXX XXXX XXXX, XXXX, OH, XXXX, and for violating my HIPPA Rights. I recently sent the company a debt validation letter and in return they sent me a list of my private medical records on XX/XX/XXXX, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I received treatment from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, MI, XXXX, on XX/XX/XXXX. I completed payments in full for my treatment on XX/XX/XXXX and was paid directly to XXXX XXXX XXXX in the amount of {$1100.00}. I also did not authorize XXXX XXXX XXXX to release my personal medical records to a third party company. I am extremely upset that my privacy has been violated and would like for this information to be deleted from my credit file on all Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of fraud and sent Experian a police report in regards to the items that weren't mind. They initially deleted all of items on the police report but placed a discover account back on my report. I immediately informed them of this and they told me they were unable to block discover on my credit report again.

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 2021-06-16 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: KY

Complaint narrative:
THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT.

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021

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 2021-06-16 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: KY

Complaint narrative:
THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Three bank accounts have been fraudulently opened in my name on between XX/XX/2021 and XX/XX/2021. As soon as I discovered this, I called each bank and requested them close the account due to fraud. The initial bank, Axos, was opened in XX/XX/2021, I requested closured in XX/XX/2021. However, they did not close it until XX/XX/2021 when I followed up with an email requesting the account be closed, to remove any charges on the account and take steps to remove information from the account. I also asked that they send me a confirmation that I am not responsible for charges on this account. I received an email back stating the following : Account ( s ) were opened on XX/XX/2021 with the information you provided The account ( s ) were closed on XX/XX/2021. 

and A request to remove the inquiries from your credit report has been submitted However, they declined to " agree with the claim that there is or has been identity theft or fraud against the consumer listed above ''. They also did not confirm that I am not responsible for charges on the account. When alerted to the fraud, Axos did not immediately close the account. When further followed up on, they still will not confirm the fraud. 

XXXX XXXX  was the second bank where an account was opened. I contacted them to alert of the fraud, they opened a case and closed the account. Though I still continue to receive account information in the mail, including checks. 

XXXX XXXX XXXX XXXX was the third account fraudulently opened in my name on XX/XX/2021. I have alerted them of the fraud and asked them to close the account. I have been unable to reach anyone in the fraud department. 

Banks are required to confirm the identity of their customer and these banks failed to do so. They should have controls in place to recognize when the customer has not provided the required documentation and then immediately close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reached out to the credit bureaus about false information being reported, They refuse to remove the accounts that don't belong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have reached out to the credit bureaus about false information being reported, They refuse to remove the accounts that don't belong

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 2021-06-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.

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 2021-06-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report without authorization AMEX Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Capital Management Services, LP
State: WA

Complaint narrative:
Capital management service is try to collect my debt and they keep call and I spoken XXXX XXXX already

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 2021-06-16 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX my XXXX XXXX XXXX Credit Card, issued by Commenity Capital Bank was closed due to the joint applicant filing for bankruptcy. Prior to the filing, the account had NEVER been paid late, ( I was also able to get Commenity to verify 4x that I had never been late on the account ), however in XXXX & XXXX of XXXX two late payments were reported to all 3 bureaus for this account. This is very inaccurate, as this account had already been closed and included in bankruptcy. Commenity could be in a lot of trouble if I move forward with my attorney, as this is considered an act to try and collect after a bankruptcy has been filed and discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from Transunion, XXXX, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer 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 2021-06-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from XXXX, Equifax, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: FIRST HERITAGE CREDIT LLC
State: TX

Complaint narrative:
I have a closed account on my credit report from a company called First Heritage Credit that I am not aware of. I have never had any dealings with this company. I contacted them onXX/XX/2021 to see what it was and asked them to remove it. The representative was rude and I was told to dispute with credit bureaus and got hung up on when I started to site the law to them. When I disputed with the credit bureaus it came back as valid debt. 

There are so many things wrong with this reporting which is a violation of 15 U.S. Code 1692g - Validation of debts 1 ) I NEVER receive a notice about this alleged debt- ( Violation of FDCPA ) 2 ) The credit bureaus ( XXXX XXXX XXXX XXXX XXXX  ) reported inaccurate information that was NOT VALIDATED instead went by the words of the creditor and not the consumer. ( Unfair practices ) 3 ) This company failed to provide me with debt verification that this alleged debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/2017, somebody that I had lived with me or near ... .I 'm unsure but at the time they used my information to add a line to my account and then just continued to let it go, unpaid. 
I was always in great standing when I had my service I thought I had turned it off and everything was paid I owed no money on any phones etc. Now I have this outstanding debt and I can't figure out who even had the other device and how it got so big. I'm disputing this because of fraud I did not give anyone permission to use my information to continue a service that I had disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: GA

Complaint narrative:
XXXX continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

1. Capital One XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I opened a checking & savings account with XXXX online and was provided with an option to transfer funds electronically from an existing account. I opted to submit {$500.00} from my Chase checking account, which was debited from my account the following day. 

On XX/XX/2021 I received notification that XXXX  was closing my account. I was instructed any deposits would be returned. According to XXXX the {$500.00} was never deposited into the account at XXXX but the funds were never returned to my Chase checking account. 

I have communicated with both Chase and XXXX over the past few months. Both banks believe it is the other 's responsibility to refund the {$500.00} to me. XXXX also believes the funds may be stuck at an intermediary bank. 

I would just like to get my {$500.00} back since it was never deposited into the XXXX account, which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TX

Complaint narrative:
I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation