vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: MI

Complaint narrative:
I received a credit card from Netspend complete with new card, routing number, and account number. I have not requested any new cards from any companies. I called them to try to find out about the card and the account. It took me over 30 minutes to get a live person to even talk to. When I told her my problem, she said that she could not give me any information since I told her it was a card I did not order. She would not verify if it was an active account or give any details. I asked to speak to a supervisor and was put on hold for over 20 minutes when the call was just ended. The number that they provided to you was not the same as the number listed on your website.

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 2023-12-29 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: CA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-29 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: CA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-29 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: GA

Complaint narrative:
I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am writing to address the matter concerning an account ending in XXXX, for which Synchrony Bank claims I owe {$1700.00}. I hereby formally dispute the entire amount of {$1700.00} due to the violation of my consumer rights, specifically the misinformation and misrepresentation of information related to the balance owed and the promotional end date. These actions were undertaken with the intent to lure me as a consumer and transition the account into a predatory lending status, to maximize their financial gain from me as a consumer to terms that they manipulated to provide. 

I request the removal of the aforementioned amount and consider it paid in full, without any derogatory comments. This request is based on the fact that the promotional end date was not comprehensively provided to me upon the request of my XX/XX/XXXX statement, hindering my ability to be comprehensively informed to make a full payment. The attached statement, obtained from Synchrony Bank when I requested my XX/XX/XXXX statement, highlights several instances of incorrect information and misinformation provided by the bank : 1. Synchrony Bank incorrectly acknowledged my request for a XXXX billing statement instead of the requested XX/XX/XXXX statement 2. Synchrony Bank claimed an inability to provide a statement for the specified period 3. Synchrony Bank falsely stated that my account had a XXXX balance and no statement was generated during that time The aforementioned errors, misinformation, and misrepresentation of my account 's status form the basis for my dispute and request for corrective action. 
Key points of contention include : XX/XX/XXXX : The month of account initiation, where the statement should have reflected the full initial purchase amount of {$2000.00} further proven SyncBank misinformation XX/XX/XXXX Statement Request : Synchrony Bank failed to provide the requested statement, hindering me from being fully informed about the promotional balance due by XX/XX/XXXX ; this not only hindered my process to pay but it delayed the process and pushed the date past its due date as I requested a second time XXXX Balance and No Statement : Misleadingly indicated a XXXX balance, creating a false impression of no outstanding balance due what-so-ever The manipulation and misrepresentation of my account have caused significant distress. Despite my efforts to obtain accurate information, Synchrony Bank has failed to cooperate, violating my consumer rights under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and relevant state laws.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-29 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: MO

Complaint narrative:
I got an alert that a collection account was added to my credit report and upon reviewing it knew that it was incorrect. I filed a dispute and it was not removed. The account reads as " XXXX. XXXX XXXX '' and indicates that the original creditor is XXXX. It states the account was opened in XX/XX/2023. And it states that there is a past due balance of XXXX. All of which is false. I relocated to Missouri on XX/XX/2023. I signed up for XXXX but was unable to connect to my internet. I then contacted XXXX and requested service. I was told that there were no caps which was a lie. I agreed to internet and home security. I noticed on my bill that there were caps, canceled the service ( never installed or used/activated the security part ), and went with XXXX who came to my home via a door-to-door salesperson. I then returned all XXXX equipment and my XXXX XXXX account was hooked up. I had service in XXXX only- ONLY internet- and returned all equipment. Therefore it is impossible to owe a bill for a service I did not have. I called 3 times to disconnect and each time they kept trying to keep me as a customer. The XXXX time I made it clear NO. I have had XXXX XXXX every since. Therefore I can't have a bill from XXXX, and I do not owe them any money.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keep reporting the wrong personal information. They keep reporting an address that I have not lived there before that needed to be removed which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Az XXXX. I never lived there at all!

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 2023-12-29 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: CA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In 2020 I fell into financial ruin due to losing my job on more than one occasion. I also had to move out of my parent 's house during the COVID lockdowns due to a very toxic and unhealthy living situation and a XXXX XXXXXXXX issue. When I moved out of my parent 's house, my bills more than tripled and I was unable to afford to pay all of my bills which led me to only pay the essential bills first. I collected unemployment and got government assistance for food, energy, and Wi-Fi.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I never recieved a bill for XXXX and was not able to pay online and when i did recieve a bill at the end of XXXX I was already late I am XXXX to date now but that was difficult and it still shows I am behind in payment. and was late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed my Department of EducationXXXX accounts that are still appearing on my " Experian '' credit report. They are appearing as " open and with a balance '', when they should be appearing as closed/transferred and with a {$0.00} balance. This is causing my credit report to show twice the amount of money on student loans and it is affecting every aspect of my life in a very negative way. My debt-to-income ratio is not qualifying me for anything. I have disputed this XXXX times with Experian, have made phone calls them and submitted documentation from the Department of EducationXXXX as proof ( that accounts are closed and with XXXX balances ). They continue to ignore my request and report incorrect information 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 2023-12-29 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:
The wrong information has been uploaded to my credit report and is causing me to have bad credit and many denials

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 2023-12-29 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: TX

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from 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 non-monetary relief
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-12-29 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: IL

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: MECHANICS BANK
State: CA

Complaint narrative:
I sent payments via mail to the addresses provided to me by Mechanics Bank. I sent a payment back on XX/XX/XXXX via Registered Mail. USPS confirmed it was delivered on XX/XX/XXXX to XXXX XXXX XXXX. 
My account was not properly credited to reflect the new balance and late payments were sent to the credit bureaus. In my correspondence with customer support, they claimed they never received the payment and would not take the tracking number I have as proof to investigate internally. 
I sent a payment in full to the address where payoffs are required to be sent on XXXX XXXX XXXX XXXX XXXX I sent on XX/XX/XXXX and USPS confirmed delivery on XX/XX/XXXX. I got a call from Mechanics Bank stating my account is XXXX  days past due and they've put in a notice of repossession. I told them that I sent a payment in full and she stated on the recorded call that they did not receive such a payment. They have locked my online account and told me that I can only pay over the phone moving forward. 
I've attached proof of receipts and delivery from USPS on the dates specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
I was notified by XXXX that there was a collection agency asking for a past due amount of {$930.00} dollars from an energy company in Texas. XXXX XXXX of XXXX XXXX. I have lived in XXXX XXXX since XXXX and have never been to Texas. I have called them several times, have sent them a police report/Idenity Theft report but they refuse to have this fraud charge taken off my credit report! I have also sent them my utility bills from XXXX XXXX as they have requested. Still no cooperation from them. I also sent all this info to the third party collection agency, Mercantile Solutions. As of today this fraud charge is still on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Some personal information is not deleted.

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 2023-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I resided at XXXX from XX/XX/XXXX to XX/XX/XXXX. I filed a complaint with HUD for discrimination. HUD did an investigation and found their property manager guilty of discrimination, and I have been being retaliated against since they found out I reported them. From the beginning of me living there, they have padded my water bill over {$300.00} they were forced to credit back to my account. They filed a fake eviction against me due to a clerical error by said property manager. The issue that Im filing with you is complaining with you is they filed this fake bill that has now destroyed my credit. Not only did I not owe them money when I moved out, but they actually owed me money, which I have the checks that I will attach of them, paying me for their involvement in discrimination against me. They didnt comply with our settlement agreement, nor have they done anything that they were supposed to do other than give me the checks and then compile a fictitious bill of things I dont owe them and added line items of things they actually paid me for. I attempted to contact the third-party collection agency who I informed of all of this information and was told to send the evidence and it would be removed and now they wont take my phone calls. 
All of the malicious, fictitious information XXXX has filed against me was pure retaliation against me for reporting their unstable property manager who was found guilty of discrimination against me, which they refused to acknowledge her unprofessional behavior as well as refused to fire her for her behavior. They transferred her to another property, but still employ this woman who intentionally destroyed my name on paper.

Company response to consumer: Closed with explanation