vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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 checked my credit on Friday XX/XX/, and noticed there were a few credit cards from XXXX XXXXXXXX with a {$3000.00}, a XXXX card with a balance of {$5000.00}, a loan from XXXX XXXX XXXX with the amount of XXXX, XXXX XXXX, XXXX XXXX XXXX with a balance of XXXX and a XXXX card with a balance of XXXX. The credit bureaus told me to get a police report, i submitted it before but nothing was removed or investigated.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Nelnet refuses to correct their mistakes on 2 loans. On two occasions where forbearance or deferred payments was requested and agreed to, they continued to mark that payments were late. When confronted with the inconsistency of the information, they claimed they could do nothing about it. It is a permanent black mark on my credit report as student loans dont come off. There has been enough evidence of the inadequacy of their ability to make the appropriate changes on all loans through the years, that I am confident that someone failed to do their job properly and I am paying the price at this moment. It is unacceptable. They need to correct their mistake and remove the late payments shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a personal and business account at Bank of America. If I change my passwordk on my business account my personal account password does not work. If I attempt to use my ATM, Account Number, Social Security Number on either account I can not reset my password. If I can not log in with my password then I am not verified and therefore can not access my accounts online.

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 2023-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Got a Prepaid American Express gift card today XX/XX/2023 and tried to use it for XXXX gifts for my son. Its constantly declined on every website, it says payment issue please try again and when I tried to transfer the money to my paypal just to see if it would work there it continues to say my card doesnt exist. I called the company and the card is activated and theres money on it. Basically I cant buy part of my sons gifts because I was relying on this gift card and it doesnt work at all on any website or in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: OH

Complaint narrative:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.

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 2023-12-01 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: OH

Complaint narrative:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I didn't not authorize this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing .Please help me delete these illegal accounts from my Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Received phone call from XXXX indicated they were process server attempting to serve after failed attempt. Advised me to call XXXX and gave me case number. Called and they advised about a 2012 debt for Bank of America card for XXXX. When advised never had that card and never received any written notification, they asked me to take care of debt over phone or process server would be to our home in next half hour. 

When said needed in writing again, hung up. Called back asked for their address and became hostile. Then advised would transfer to first person spoke with and never connected. 

The first call was answered as XXXX and XXXX. Then second call was a rep in legal department it said.

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
On XXXX I contacted AAFES Military Star Card to find a resolution to my owed debt. I spoke with a woman For approx. 24 minutes asking questions such as if my account had been closed, what the options for a settlement were, etc. She brought up that if the Debt remains unpaid that they would begin to garnish my retirement. I told her that I was XXXX retired and receive VA XXXX compensation due to a Service Connected XXXX and was not receiving that in lieu of retirement benefits. She put me on hold and spoke with her colleague/supervisor and came back to notify me that they will garnish VA XXXX compensation. I tried to inform her that Public Law 95-30 does not permit garnishments like that and I was told, paraphrased, " if you read that, its general, and we can and will garnish VA benefits. '' I gave up and ended the phone call and proceeded to email the collections dept. at AAFES as she had suggested to potentially reach a settlement ; she did however inform me they usually don't do settlements until it has reached the third-part collections agency. I emailed the company right after our phone conversation and gave a brief overview of my situation, my recent phone call, and my reason for a settlement request ; I was ignored. on XXXX ( the following day ), I get a notification from XXXX that there has been a change to my credit file as follows : Change : Major Derogatory Account ; Company : MILITARY STAR. I believe this change was submitted and made due to my attempt to settle the debt and phone conversation. I believe that these tactics are predatory and they are threatening to garnish exempt income against federal law. They are bullying Consumers, specifically military affiliated consumers, into paying debt.

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 2023-12-01 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: AL

Complaint narrative:
I sent documents to Experian with XXXX balance to show proof of balance. This has not been change nor updated.

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: GA

Complaint narrative:
XXXX XXXX sold a bad debt to Unifin , Inc. Unifin Reference Number is XXXX. I have never signed a contract with either company for any service. Because they don't have an original copy of a contract with my original signature showing that I made an agreement with their companies, they must remove any and all of this incorrect information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fidelity National Financial, Inc
State: CT

Complaint narrative:
I hold a Mortgage for my primary residence with XXXX a subsidiary of XXXX lending a Fidelity National Financial company. 
last week the parent company announced a ransomware attack and promptly shut down their systems. The company did not notify it's customers for 5 days after the incident and closed their phone lines, with no way to contact the company. 
I always make my payments within the 30 day window but the incident has pushed my payment window beyond into delinquency. 
I made multiple attempts daily from XXXX to reach the company by phone and website with no progress or response. 
I'm filing this complaint in an effort to protect myself and others affected from negative credit reporting. 
The website appears to be online today XXXX but I do not trust their systems are safe, but I still can not reach customer service by phone. 
This is company needs to do a much better job of communicating and protecting their millions of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: IL

Complaint narrative:
XX/XX/2022 I applied for Care Credit card last XXXX XXXX XXXX was accepted. During that time, they had promotion that if you charged to the card {$1000.00} you will receive a gift card in the amount of {$100.00}. Account needed to be in good standing, which it was and it is still. My registration number was XXXX and it was done on XX/XX/. I charged to the account {$2500.00} I called them over 9 times asking where the gift card is. The representatives always were saying you need to wait longer, or information will come in the mail. One rep said that, they have a third-party provider that handles the gift card, and they will be contacting them. Nothing had come by email or mail. When I called today, I spoke with XXXX, and she told me that nothing had been recorded in my file. They hope that I will forget about this and never question it. Can you please help 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 monetary relief
Consumer complaint received 2023-12-01 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: FL

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2023-12-01 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) has violated my rights! 

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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I found a BofA VISA card on my XXXX XXXX : XXXX. 
I never ordered this card, never gave my consent to open this card. I called BofA Cust. Serv. The couldn trace this card. I tried to trace this card on the VISA website, to no avail. 
BofA Cust. Serv. never returned their response to my inquiry. The card is still lingers on my account. Please help XXXX Bank of America Credit Card BOFA VISA XXXX XXXX XXXX Bank of America Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA VISA 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
It started with Synchrony Bank ( Care Credit ), and their promotional payment option basically no interest if paid within a specific term. Which I didn't know about with this credit card in particular. When I continued to make payments on autopay I request billing statements I did not receive until I received all at same time. From statement closing date : XX/XX/XXXX to XX/XX/XXXX. These Billing statements showed I was charged in XXXX {$7.00} and on XX/XX/XXXX billing statement {$580.00} Interest charged in XXXX up to this point on XX/XX/XXXX statement states Total Interest charged in XXXX the amount of {$690.00} and I paid {$200.00}. in interest charges. 

I was involved at the time in a major project and I needed credit cards with no interest/for a term promotions. Again, Synchrony Bank XXXX XXXX XXXX XXXX gave me that option with this company and I demand as always paper statements. No sooner was I off the phone with Care Credit I get a notification from XXXX XXXX " Congratulation you are now paperless. ". 

Waiting for status with Care Credit.

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 2023-12-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/ i discovered that someone submitted a XXXX postal change of address for a XXXX XXXX XXXX XXXX business card I applied for. I called XXXX and they immediately cancelled the card and sent a new one. Few months later I reviewed my credit report and discovered an address not associated with me XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX. After doing a XXXX search I found the Address belongs to lawyers at XXXX XXXX XXXX. I have never been affiliated with this address or group and would like this to be investigated. Also, I received a random call from Wells Fargo stating they wanted to verify that I opened an account. I said no I have never opened an account with Wells Fargo. The person said that someone has opened several business accounts across the 50 states using my business XXXX and personal information. I have no idea how this information was leaked. However, I want to report it and have this issue investigated and resolved.

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 2023-12-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The Citibank did double charges in XXXX flexi payments transactions to my credit card. Plus, I should already have the refund from XXXX XXXX for {$77.00} dls from each charge ( 3 charges ) plus XXXX refunds from XXXX XXXX of the same amount {$77.00} dls. Total is {$670.00} dls. This money is charged to my credit card balance and It has to be removed to my credit card in order to make a payment, because it is alterating my balance a lot.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Apparently someone got a credit card in my name in XXXX of 2006, i was completely unaware of this until recently when a letter was sent to my parents house. why they waited 17 years to inform me is just insane and why the letter was sent to my parents i have no idea but they have been garnishing my wages for over a year. i knew about the garnishment but just assumed it was for a XXXX bill i owe so i didnt question it. They have already taken almost {$3000.00} from me. i want this garnishment stopped and my money back and i want to know what address the card was sent to and where the bills were sent to and what was purchased and where from also. i am struggling right now and my car needs to be fixed so i can keep my job and i have no extra money because they are taking it from me.

Company response to consumer: Closed with explanation