vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have no knowledge of this company portfolio recovery debt of {$150.00}. On XX/XX/23. I requested validation, verification. I informed them that, I dont have a contract with this company and requested that but wasnt provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My complaint has two parts : 1. I found that I am a member of Amazon Prime. even though I don't make enough purchases on Amazon to justify spending for this service. I canceled my Prime membership about one month ago. 

2. I have an Amazon credit card from Synchrony Bank that I used for purchases about once or twice since Synchrony claimed that I would get a discount by doing so. I then began receiving requests for payment, which I expected. I responded each time by paying in full. I stopped using the credit card when I noticed that monthly requests for payments continued, even many months afterward. The amounts appeared to be somewhat arbitrary, ranging from 35 to 50 dollars monthly. I finally called Synchrony Bank on XX/XX/XXXX to request an explanation. They responded that the charges were for Prime membership and for interest charges. Ideally, I would like to receive a refund for the amount that I overpaid and that these monthly requests stop.

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 2023-11-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have 8 hard inquiries on my credit report that are unauthorized that I did not authorize and need them to be removed immediately.

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 2023-11-07 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: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 XXXXXXXX

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 2023-11-07 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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 explanation
Consumer complaint received 2023-11-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute regarding a charge online via my online account with American Express. After answering their questions, and submitting my response, American Express declined to proceed with investigating my claim. After receipt of the denial, I contacted American Express directly and spoke to a customer service representative. I was asked to explain my case again and the reason for the dispute. Per the Representative, I " selected the wrong option for my dispute '' and the Representative initiated my dispute afterwards. 

While I am happy American Express is proceeding with the investigation, the regulation requires that investigations be initiated as long as they fit within the regulatory timeframe to file disputes. This act presents a potential violation of Truth-in-Lending laws. I am requesting that American Express provide an answer as to why my initial dispute was not processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need clarification as to why you are reporting certain information on my credit report. Please review the following accounts. XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX 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. You are reporting these accounts as charged off yet you also reporting a monthly payment? Delete these account immediately for inaccurate reporting.

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 2023-11-07 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-11-07 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
1. XXXX I deposited a personal check for {$9500.00} in my Capital One 360 Checking Account via a Mobile Check deposit. 
2. The Check I deposited into my Checking account was drawn on a Capital One Checking Account. 
3. XXXX  I received a notice from Capital One that stated the funds from the check the I deposited would be held until XX/XX/. 
4. XXXX I reviewed Capital One 's policy concerning the availability of funds from the deposit of a check drawn on a Capital One Account into another Capital One Account. The website said the funds would be available the next business day. 
5. XXXX I spoke with several customer service reps at Capital One in an effort to resolve this matter. 
6. All of the reps refused to verify the funds from the Check I deposited, even though it was drawn on an account from the same bank. 
7. The Check that I deposited was written by my sister who also banks at Capital One. The money for the check was removed from her Capital One 360 Checking account on XXXX 
8. My sister was present during my phone calls with Capital One. She explained that the {$9500.00} was removed from her account. There was no reason to hold the money. The funds were verified. 
9. Several calls to different account managers failed to provide me an answer as to why Capital One was holding my funds. Funds they could verify. Funds they knew were available. 
10. I was told by several reps that they could not tell me why my check was being held because it was private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize these inquiries and i've asked for them to be removed and the bureau haven't did as i asked. i am providing an identity report attached to this and i am requesting the inquiries to be removed. because they are inaccurate and are not mine. 

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 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 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 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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
These inquiries are in violation of codes XXXX XXXX as well as XXXX. I went to a dealership to authorize XXXX person to go through my credit file not ample banks/ lenders! I am unaware of these banks getting a hold of my PEROSNAL information nor have I ever signed any disclosure pertaining to " wanting my personal information publicly shared with any thrid party " inidividual ".. I am in process of filing multiple lawsuits for aggravated identity theft as, obligations with respect to disclose ts if perosnal info most importantly, permissible purposes that I clearly do not authorize .please remove my information from and stop leaking my personal info to third party individuals who are no form of actual " bureaus '' because they're no such thing as credit bureaus by government law this is all within violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint to you in order for you to verify certain confusion and inconsistency of a certain account number on my credit report that violates my rights as a consumer. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. I dispute XXXX XXXX XXXX This account was closed on XXXX however it's showing delinquent activity after the closed date. Your procedures have allowed this since XXXX  and this has been highly damaging to me. I want this account updated. How did it happen that this account only shows late 30 days but no exact dates of delinquency? How did it happen that this account continued to provide delinquent activities after it was closed? TransUnion credit bureau has been inconsistent in providing 100 % accuracy in my credit report. And this has a big impact on my credit score.

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 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Grant & Weber
State: CA

Complaint narrative:
I had my credit check when I purchased a new car and on my credit report there was a debt collection from XXXX  that I had no idea where it came from. I do not any money to credit card. The name on my credit report was Grant and Weber in XXXXXXXX XXXX XXXX in the amount of {$1000.00}. I know for a fact I do not owe any debt. I never received a letter or bill or services. I would like to clear it off my record.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WA

Complaint narrative:
LexisNexis failed to update their erroneous driving record report after repeated attempts to contact them which led to denial of insurance from multiple companies that use their services. They are next to impossible to contact in person, and when you do finally contact someone, all they do is tell you to upload more personal records. The type of personal information that LexisNexis asks you to submit over the phone to a foreign call center is extremely disturbing and should not be allowed as it creates another identity theft breach point. The failure of LexisNexis to correct this issue in a timely manner has led to personal financial loss for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: KS

Complaint narrative:
First received a phone call from Paragon Collections demanding bank routing numbers to pay a debt. When I told the man calling that I needed to have written verification he said it would be mailed. Received nothing in the mail. Many weeks later I received a text message to call. When I called I again said I needed written verification. I was told it would be mailed right away. It's been several months and still nothing in the mail. It is now showing up on my credit report as debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Wells Fargo account was closed in XXXX XXXX XXXX ( I did not have a debt when the account was closed ). Prior to my account closing I purchased an item using XXXX which cost {$1100.00} - this item was refunded by the merchant XX/XX/ ... after my Wells Fargo account was closed. At first the refund bounced back to XXXX, but the 2nd time, it went through. XXXX have showed me proof that the funds went through and have given me the resources that would help Wells Fargo locate theses funds ( such as the ACH Reference Number ). I went in person to Wells Fargo to start a claim, but the employee described the reason for the claim wrong. I am not asking for a refund, I am asking for the location of a refund that has already been sent. I have proof that XXXX already has sent my money to Wells Fargo and I am asking for the whereabouts of this money. I keep being told that " the timeframe for requesting a refund with the merchant expired '' ... I know this, I am not asking for a refund, I am asking for proof that Wells Fargo does not have the refund, such as an ACH rejection reference number or something similar. Every time I talk to Wells Fargo on the phone they put me on hold or hang up on me. When I go in person, they tell me that they " don't usually accept money to a closed account '' but refuse to look at my ACH Reference Number and refuse to show me proof that the funds were rejected. I have been fighting for months and if I am being honest, it is getting extremely exhausting.

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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Requested debt validation from LNVN funding with no response to have alleged debt validated. This account appear on my credit report without my knowledge after researching it shows to have come an account that was previously disputed and removed from my consumer report by XXXX XXXX I have attached the document. I then sent a request to LVNV to verify the account and to provide me with the sales agreement accounting ledger my consent to pay them on the alleged debt my signature their license number so I can investigate further to see if they are authorized to collect in my state and to swear under perjury and still till this day I havent received any response or the information requested as I have the right for request validation by law. This behavior is totally unacceptable and this company and its past alleged practices are beyond mind blowing and feel they are above the law. My rights have been violated according to the fdcpa. I never gave LVNV funding permission to buy my non public information nor consented to LVNV funding that I agreed to do business with them. Also when I submit my request to XXXX have the account reinvestigated XXXX over looked the fact that the account was removed from my report and updated the accounts and closed the investigation with properly confirming the allegations. There were no statement form sent there was no investigation information provided such as the name address phone numbers nor the way they confirmed the information which is a violation according to the FCRA which states identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Was NOT provided if XXXX would have done an actual reinvestigation they XXXX would have seen that the account was removed by the original creditor. XXXX also refused to provide me with the information requested including my complete file disclosures and my written certified signature with my consent. I am asking for this account to be removed from credit report and a free copy of my credit report via mail as I have requested all communication via US Mail and no other with tracking to show proof that the information has been mailed to my address on file. This is unfair practices on both parties involved and reflects that both LVNV funding and the credit reporting agency believe they do not have to abide by the laws in place that governs both the fdcpa and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My Nelnet account number is XXXX have been trying to call Nelnet to understand my new student loan account that was transferred from My Great Lakes and they have not responded. The call wait time states that it is over 2 hours long and eventually I get hung up on. How can anyone expect someone to pay for student loans when they aren't able to ask any questions, get information regarding their loans, and understand how the interest is being accrued? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I had spoken with Duvera ( Easy Pay ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.

Company response to consumer: Closed with explanation