vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received a letter from my new utility company that as of this week my XXXX XXXX is XXXX from Experian. Yet when I look on my experian account for which I pay for, it says XXXX. How do they get by with telling me it's XXXX thing and telling a potential creditor it's another? That is not being truthful or fair to me.

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 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This company seems to have a deep interest in me online and is scanning my online profile. I believe he is attempting to take my personal business and product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I requested inquiries that I did not recognize on to report to be removed. I sent a letter out my letter over 30 days ago and I have not received any update from the company. Below I put all the inquiries that I do not recognize. I hope this resolves my issue XXXX ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX  Date of inquiry : XXXX XXXX ) Date of inquiry : XX/XX/XXXX I would like these to be removed from my credit report asap! 
XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX ) XXXX XXXX  Date of inquiry : 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 explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays Bank Acct # XXXX the account has been paid and it is still reporting as a negative on my 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 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX and I am a resident of XXXX XXXX XXXX XXXX. I am filing this complaint because I had two accounts with Bank of America ; one was a personal account and the other was a Business Account. Both of these accounts got shut down in XXXX XXXX XXXX without me being given any information or notice of the closings. I have reached out to the Bank on multiple occasions and was always given different reasonings as to why this happened. One of the reasons I was told was that it was Fraud, but was not given any further details of the incident, but I did confirm the fraud was NOT committed by me. I have been trying to fix this issue for over a year and nobody from the Bank of America corporation has been of any assistance to me. There was also money that was kept and never returned to me from my Business account. This issue has caused me to not be able to open any other accounts at different banks as I have tried multiple times. It is extremely difficult and such an inconvenience to my life as I have to pay bills, kids, work etc. I need whatever hold is on my information lifted and to be able to have a bank account. As a consumer money is insured by the Federal Deposit Insurance Corporation and is supposed to be returned to me! I also should be able to have a functioning bank account. I need further assistance with this matter and soon!

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: UT

Complaint narrative:
After I shopped for new homeowner 's and car insurance in XXXX, XXXX, I found out that Lexis-Nexis had provided my file information to prospective insurers. When I received a copy of my report, I found numerous errors, including apparent typos and, more significantly, an old address where my ex-husband lived that I had never even visited and conflation of automobile insurance policy and claim records for myself and a friend who rents a room in my house. Lexis-Nexis corrected the typos but claims the other errors represent accurate information, without providing any information about how I can correct the record. 
The old address for my ex-husband dates back to about XXXX and probably was the result of an error made by a bank where we both had individual checking accounts ; the bank started sending my account statements to his address. The bank employee with whom I met expressed significant embarrassment and I immediately closed my account. 
The conflated auto insurance records potentially influence both of our ability to purchase auto insurance at favorable rates, since both of our cars and both of our claim records are listed. We purchased our cars independently, insure them separately, do not drive each others ' cars, and were not involved in the accidents leading to the other person 's claims. 
The letters I've received from Lexis-Nexis do not identify which of the errors they corrected, which errors they claim are correct information, and the sources of the incorrect information. Identifying these errors requires accessing a 100+-page report online and wading through it line by line. I also did not receive any explanation of why Lexis-Nexis seems very happy to report false information while ignoring explanations of why it is false from the person whose record is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX  I placed an order with JCP for Black Friday specials, and when I went to check out, my JCP card wouldn't work. A coupon from XXXX Pay pal popped up on my screen and offered me an {$18.00} coupon if I paid for my order through Pay Pal. My JCP card was attached to my Pay Pal account, so JCP charged me six times for various amounts totaling {$470.00} ( they charged me only when they shipped the boxes out ). and then they charged me through Pay Pal for {$450.00} for the same order. I only received one order, but I was charged twice. I have tried to resolve this issue for over 8 months now, and it is still in dispute status, but has not been corrected. JCP is blaming PayPal and Pay Pal is blaming JCP, so I have been back and forth so many times, I can't count.

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 monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This company uses deceptive tactics to get you to purchase and sign up for their credit card. I was looking at makeup to order and I kept getting notifications that I would save over {$21.00} on the items I had in my cart if I applied for the Belk card, then I got an email saying that the items I had in my cart would be a lower price, with the lower price that I would supposedly get for each item quoted, with a {$20.00} coupon. Well when it came time to check out, the phony coupon they sent me did not work! It kept saying " does not apply to items in your cart '', yet the email said it would. Then they sent me a {$10.00} coupon for joining their rewards club. That coupon did not work either! It kept saying the same thing, " does not apply to items in your cart ''. This company is a big fat liar! They lie and tell you you are getting a discount that they have not intention of honoring. Then they made me apply for a credit card, which dinged my credit score, and I will never use this card! They made me waste my time, cost me more money, risked my credit score, all based on their lies and business tactics. If I had known this would happened, I would have never applied for their sticken card! But you dont ' find out they are liars until after the fact. I had to spend so much time trying to add stuff to the cart to see if the supposed discount would work. This company has left a sour taste in my mouth and I will never purchase from them again. They are dishonest thieves! They also said checking to see if I qualify for a card wouldn't ding my credit. ANother lie! Buyer beware!

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 2023-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Debt Collection by Unknown Company Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding a debt collection agency that has been pursuing me for a debt that I have no knowledge of. I believe there may be discrepancies in the contract or signatures associated with this debt, and I am uncertain about the legitimacy of the company involved. 

[ NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cash Amount : {$16000.00} ] Despite multiple attempts to seek clarification and validation of this debt, I have not received any concrete evidence or information about the alleged debt 's origin or validity. Furthermore, I have not been able to identify the debt collection agency itself, as they have not provided sufficient contact information. 
I understand the importance of addressing legitimate debts and fulfilling my financial responsibilities. However, I am deeply concerned about the lack of transparency and the possibility of fraudulent activity in this matter. 
I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to ensure that my rights as a consumer are protected. Specifically, I would appreciate your assistance in : * Verifying the legitimacy of the debt collection agency in question. 
* Requiring the agency to provide complete and accurate documentation regarding the debt, including any contracts or signatures. 
* Ensuring that all communication from the debt collection agency adheres to the Fair Debt Collection Practices Act ( FDCPA ). 
I am committed to resolving this matter responsibly, but I need your help in verifying the validity of this debt and the actions of the unidentified collection agency. I look forward to your prompt attention to this issue and request that you keep me informed of any progress made. 
Thank you for your time and assistance in this matter. Your efforts to protect consumers like me are greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have repeatedly submitted complaints and disputes about the inaccurate and fraudulent information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX BalanceOwed : {$7900.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the victim of identity theft. My ATM/Debit card was stolen and was used for an unauthorized XXXX XXXX Emergency Transfer transaction on Friday XX/XX/2022, for {$1800.00}. and XX/XX/2022 for {$990.00}. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use or request a XXXX XXXX Emergency Transfer in any way. One claim was approved the other was not. I have requested what information was used to approve the claim in the amount of {$9600.00} I have been told there is no information.

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 monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've submitted several reports and disputes regarding this issue. I am informing the credit reporting agency that this information on my credit report is inaccurate and fraudulent. They have done nothing to fix this, Name of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: OH

Complaint narrative:
the vehicles transmission went out Westlake Financial refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being

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 2023-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time i had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over XXXX points. The first company is Consumer Adj co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, totaling XXXX and the second is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of 6. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Credit reporting agency violations : Nonpublic private information has been reported without my permission ( Proper validation of account not done ) 15 USC 1681i 15 USC 1681a ( d ) ( 2 ) ( i ), ( e ), ( f ), ( k ) ( iv ) ( 1 ) 15 USC 1681b ( a ) ( 3 ) ( F ) ( ii ), ( c ) ( 1 ) ( A ) ( B ) ( 2 ) ( c ), ( e ) ( 1 ) ( 2 ), ( f ) ( 1 ) ( 2 ) 15 USC 1681c-2 15 USC 1681e 5 USC 552a ( b ) 16 CFR part 313 17 CFR 248.7 26 USC 7213 Associated accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$14000.00}

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