vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In reviewing my credit report I discovered a new debt from Credence Resource Management for XXXX XXXX XXXX. I do not owe this debt and in addition filed XXXX in 2014. This debt is being reported without and amount on my XXXX credit report with XXXX. No account number or amount is listed just the debt collection agency listed. I wish this to be removed from my XXXX  credit report and any other credit bureaus. 

No date was entered as to the timeframe for the inquiry. This has lowered my credit score and is impacting my ability to re-establish credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN TO REMOVE THE FRAUDULENT XXXX XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. WHY ARE THEY REPORTING SOMETHING ON MY ACCOUNT WHEN THAT ACCOUNT IS NOT MINE, IT DOES NOT BELONG TO ME, I AM VICITM OF AN IDENTITY THEFT, I WANT SOMEONE TO EXPLAIN TO ME WHY THE FRAUDULENT ACCOUNT IS 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 non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed paid and closed accounts from the Dept of Education on my credit report on XX/XX/XXXX after my taxes were garnished to pay off my past due balances. It remained on my credit report. On XX/XX/XXXX, I disputed these accounts again in an attempt to have these removed. These accounts still remain on my credit report and have significantly impacted my credit score, regardless that they are paid and closed. I have been declined by creditors due to this unfair credit reporting. Please remove so I can be able to build my credit. I can not with these on my report, I am denied even after I have paid off almost all of my debt and have very little monthly bills. Thank you.

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 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
On XX/XX/2020 I received a notice stating that I owed XXXX XXXX XXXX from a collections agency called " Credit Collection Services '' ( XXXX XXXX XXXX XXXX MA XXXX ). I called XXXX on XX/XX/XXXX as I suspected a scam. XXXX reassured me that my account was in good standing, they have never sent anything of mine to collections, and the notice must be fraudulent. 

I'm not sure how this credit collections company got my information such as my name, address, and the fact I have a XXXX Cable account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS THAT THE TOYOTA MOTOR CREDIT ACCOUNT IS FRAUDULENT AND NOT MINE. SOMEONE STOLE MY INFORMATION AND OBTAINED THIS FRAUDULENT LOAN, THIS ACCOUNT IS NOT MINE, I HAVE NEVER OBTAINED A LOAN FROM TOYOTA. I AM NOT RESPONSIBLE FOR THE PAYMENTS FURTHERMORE I HAVE NOT MADE ONE PAYMENT TO TOYOTA. THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In XXXX of 2020 after checking my credit I found fraudulent collection charges from National Credit Adjusters on my credit report. I contacted the company and also filed a ftc complaint and sent letters to the collection agency and credit bureaus with proof that this is not my debt and an identity theft issue however, on XX/XX/2020 ; I received notification that National Credit Adjusters placed the collection on my XXXX   report although I have submitted proof that debt is not mine and put fraud alerts on my credit. The debt was even removed from the other credit bureaus because it is not my debt. I am requesting that this debt not belonging to me be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to send money via XXXX to our son who lives in another state. Have done this for years with PNC and now I can not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to dispute a billing error regarding my Citi AAdvantage card.in the amount of {$430.00} on my account. The amount is inaccurate because all of the {$430.00} are related to fees and renewals of a different account that Citi created without my knowledge. 
Citi 's XXXX App has been showing that my account had a {$0.00} balance since at least XXXX XXXX, and provided no means of making any payments. I was not aware that a new account even existed until last week when I saw an email that said that I was delinquent on this new account. 
After talking with Citi representatives over the past few days, I was able to deduce that the XX/XX/XXXX statement balance was {$1700.00}, which I understand was the balance of the original account when it was closed. Citi representatives allowed me to see statements from both accounts and notified me that the new account has a balance of {$2100.00} as of today ( XX/XX/XXXX ), of which none of the {$430.00} were new purchases that I initiated. 
After talking with Citi representatives and reviewing the statements, I have now paid the XX/XX/XXXX statement balance of {$1700.00}, which I am not disputing. I am requesting that the {$430.00} error be corrected, that any finance and other charges related to the disputed amount be credited as well, that both Citi AAdvantage  accounts be closed with {$0.00} balances, and that I receive accurate statements showing their closure and releasing me from any Citi AAdvantage  account obligations. 
I am sending a certified mail complaint to Citi with the above information which support my position. Please help me investigate this matter and correct the billing error as soon as possible.

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 2020-04-29 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 have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to complain about the increased payment amount being taken out of my account without my authorization. I said if they adjusted the payment amount back to the original amount I would continue their services. They said no, so I asked them to cancel my account at that time. The customer service agent offered me an administrative credit of {$30.00} that would be charged for closing my account. I thanked her and that was the end of our conversation. 

On XX/XX/XXXX I received a collection notice from Nationwide Credit , Inc in the mail. As with the payment increase, I was never notified that I was was being charged or that my account was sent to collections. I have an impeccable credit rating and I am shocked that something like this can happen. 

Also on XX/XX/XXXX I called XXXX XXXX XXXX and asked what was going on and they refused to help me and I would have to resolve a situation they mistakenly put me in with the collection agency. What the XXXX is going on.

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I applied for the Citi XXXX Credit Card under a promotion stating that I would receive XXXX " Bonus Thank You Points '' in exchange for spending {$4000.00} within three months. 

I was approved for the card however did not receive the card until the week of XX/XX/XXXX. 

Due to Citi 's delay in mailing me my card I was given less then two months two complete what per their advertised terms needed to be completed within the first three months of account opening. 

On XX/XX/XXXX I reached out to Citi via chat XXXX attached ) and expressed my concern and asked for an extension. I was told to simply meet the spending requirement and they would see what could be done. Had I been told there was no flexibility I could have had the opportunity to meet the time frame they required. 

I met the spending requirement well within the three months of receiving the card but shortly after the three months of account opening. I followed up with Citi and they declined my request for issuing of Points based on their terms of spending needing to happened with the three months of account opening. 

Whether purposeful or accidental, Citi 's delaying my receipt of the card did not allow me a reasonable or fair opportunity to meet the promotional terms that they set forth. Furthermore, follow up with Citi produced disingenuous directions to continue spending without any clear indication of a fruitful outcome. 

I ask that Citi issue me the points promised based on the delay of card delivery at no fault of my own and the spending requirement met. I'll be upfront in saying if not settled through this process my next step of resolution would be a Small Claims case since the Points worth is significant. 

Thank you, 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 2020-04-29 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-04-29 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had a car loan with XXXX  my car was totaled my insurance paid debt then the finance company sold car and never put that money towards loan then charged it off claimed that charge off to the government got credit for it and sold the loan in which has reported wrong amount owed as has falsely reported this debt on my report as a new debt I am not in contract with Jefferson Capital nor have I ever signed an agreement to them that makes me obligated to pay any amounts of money this goes against my fair credit it rights any I would like it removed immediately from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched CREDIT CARD LETTER dated XX/XX/XXXX CONFIRMS FRAUD CLAIM date XX/XX/XXXX OF {$470.00} See attatched USAA statement XX/XX/XXXX. Note at the bottom of the page XXXX XXXX CREDIT - {$120.00}. The balance ( AFTER XXXX XXXX WAS CREDITED IS {$470.00}. ) XXXX PROOF XXXX XXXX {$120.00} WAS NOT REPORTED FRAUD BY ME XX/XX/XXXX. USAA HAS LIED FOR TWO YEARS SLANDERING MY NAME CALLING ME A CRIMINAL TO CRAs Reporting I REPORTED FRAUD ON RETURNED GOODS. XXXX XXXX. XX/XX/XXXX. {$120.00}. THIS DESTROYED MY CREDIT AND IS A LIE. I DID NOT REPORT {$470.00} & {$120.00} FRAUD. I ONLY REPORTED THE BALANCE. TRANSACTIONS. AFTER XXXX XXXX WAS SUBTRACTED {$470.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are several accounts showing on my credit profile that I have never provided my authorization for

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 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Enhanced recovery is trying to collect a debt of {$1400.00} in regards to XXXX XXXX XXXX. The debt is not mine what so ever. I have asked this company to prove in writing that the debt is in fact mine but they have failed to do so. I feel as if I am being harassed by this company and it is unfavorite they are trying to take money that I dont owe. I would like for their derogatory remarks that they placed on my credit report to be removed along with the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company response to consumer: Closed with explanation