vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX at about XXXX XXXX. I entered my location BB & T bank to get my money card activated for the bank to identify my as the cardholder. XXXX XXXX XXXX NMLS # XXXX was the one who refuse to help me with opening my account he made me so upset he caused me have an XXXX attack upon leaving. XXXX had to come to the bank where I was placed in the back of to give me XXXX and I also had extremely XXXX XXXX XXXX all due with these dealing with XXXX XXXX. And my card still didn't get activated. He made it point not to activate my card because he saw how frustrated I was becoming while trying to get him to talk to the cardholder of the XXXX XXXX that is afflicated with the BB & T branch. I feel this kind of treatment I received at this branch is very unprofessional this isn't my first interaction with this teller. He seems to be rude and disrespectful to me each time I visit this branch. This employer should be fired for the amount of distress I endured.

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 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX were the last days I tried to get this issue resolved with them Last two weeks in XX/XX/XXXX called them almost daily MidlandFun also reported as Midland Funding has reported and acknowledged misleading information and two different account numbers for the same account to my credit file for all three credit companies the original debt to XXXX  was XXXX Midland bought the account which I have no contract with. 

XXXX  & XXXX  has an open date of XX/XX/XXXX then again XX/XX/XXXX last reported XX/XX/XXXX owed amount for {$2000.00} XXXX has same account different # and amount open date of XX/XX/XXXX of {$1700.00} last reported XX/XX/XXXX I've disputed on credit files several times and have talked with several reps at Midland the last one said he would resolve issue and fax over documentation which has not happened I'm currently applying for a job and this is killing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a billing statement from JetBlue Rewards XXXX. I do not have a XXXX, nor have I ever applied for one. The statement I received is clearly labeled " Statement '', it is not a marketing brochure. There is an account number on the statement and it was sent to my name with correct mailing address. There was a {$59.00} charge from the previous billing cycle, which was also credited back. There is no balance on the account. I called XXXX immediately as I thought someone had fraudulently opened an account in my name. They asked for the last four digits on my account. It apparently is/was an open credit card. They ( XXXX ) also had the last four digits of my social security on file. The first person I spoke with at XXXX told me they would transfer me to their security division. I was on hold for an hour and a half. I contacted the main number for XXXX again and explained my problem. They told me there was no one available that I could talk to. They also told me that my account was closed last month. I asked them who opened the account and who closed it, as I did neither. She could not tell me. It seems to me that XXXX fraudulently opened this account or that this " statement '' that was mailed to me as a marketing gimmick. Isn't this the same thing that XXXX XXXX did? I am furious. I do not have a XXXX, did not apply for one, yet an account was opened and a statement sent to me even though no card has ever been sent to me. When I asked XXXX if the account was closed by their security team because someone fraudulently opened it, they could not give me an answer. I asked them if I have never reported that I thought the card was opened fraudulently, who closed the account and why? There was no activity on the card ( and I have never been sent a card ) so it is illogical that their security team would have closed the account without talking to me or verifying this. I am a woman in her late XXXX and I am pretty sharp. What angers me most about this is I know my elderly mother receives similarly misleading marketing material and it is confusing and deceptive. This has to be regulated. This particular scheme seems completely illegal. Is XXXX allowed to open an account in my name without my permission an then send me a statement?

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 2021-07-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I filed a disputes with XXXX XXXX and Transunion in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A company called Capital One is furnishing incorrect and incomplete information on two accounts on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. Capital One is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with Capital One through the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: The Receivable Management Services LLC
State: NY

Complaint narrative:
the accounts that appear on my credit report do not belong to me, they were not authorized, please check.

1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft RECMGMT SRVC Account Number : XXXX  This is not mine.

3. Identity Theft DPT ED/XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.

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 2021-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a paypal mastercard ( card ending XXXX ) with synchrony bank, on XX/XX/2021 I tried calling synchrony bank on phone number XXXX to speak to a supervisor in regards to a problem that I have been having for months. I have tried calling synchrony bank multiple times in the past for clarity on this problem and possibly to have the problem resolved. My problem is that I only have one bank account associated with my account with synchrony that I do not use and can not make payments with. Everytime I clicked the button 'Add bank ' to add a new bank account on their website ( https : //www.syf.com ) for my account to make payments with, it redirects me to a webpage that says " there is a problem with the information you provided. please go back and try again. ". I received the same error message when I tried on the XXXX browser ( for pc ), XXXX  ( for pc ), XXXX ( for android ) and the app. I called synchrony bank and asked for a supervisor and was told to wait on hold multiple times for an unreasonable amount of time before either I chose to hang up, I was disconnected or ( eventually ) told that no supervisor was available to speak to and to try calling back another day. I ended up calling synchrony bank 8 times on XX/XX/2021 trying to reach a supervisor and was unable to do so. I personally felt like the staff was disrespectful and was deliberately not allowing me to speak to a supervisor.

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 2021-07-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX  XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of 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 2021-07-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

14. Identity Theft XXXX Account Number : XXXX  This is not mine.

15. Identity Theft XXXX Account Number : XXXX This is not mine.

16. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I submitted a request to FirstMark Student Loans to complete a form for my employer to verify how much I have paid on my loan for the past year for reimbursement purposes. It has been over 30 days and despite multiple assurances it has been expedited, I still have not received the completed form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Please See Attached FTC 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 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
DBA Paragon is reporting a debt on my credit report since XXXX of 2021. This debt has been under billing error dispute with the company previously before they obtained the debt and failed to be resolved properly.

DBA paragon is reporting the debt for the account twice separately knowingly because the {$560.00} attempted to be collected has already been paid out according to my insurance company XXXX XXXX XXXX. The original creditor has been sent the EOB of the amount. I have confirmed and requested this information myself. My XXXX  is covered and the amount they are attempting to collect has already been paid. They have not removed nor verified the debt belongs to me after a debt validation letter has been sent and the XXXX are confirming whatever information that is false. The debt practices violate my rights under billing discrepancy laws that protect me until the insurance company and creditor resolve the debt and what is owed if any by the consumer. I have sent information showcasing my son is covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TX

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: SC

Complaint narrative:
I have submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : EQUIFAX XXXX : XXXX  XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XXXX1 This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

6. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

7. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

9. Identity Theft COMENITYCBXXXX XXXX  Date of inquiry : XXXX  This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

14. Identity Theft XXXX Account Number : XXXX  This is not mine.

15. Identity Theft XXXX  Account Number : XXXX  This is not mine.

16. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: GA

Complaint narrative:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE ONE FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. ONE IN WHICH IS " XXXX XXXX. ''. WHICH IS A VIOLATION ACCORDING TO FCRA ( 15.U.S CODE & 1681 ( A ) )!!!!!!!!!!!!! 

WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS ILLEGAL TO REPORT FRAUDULENT 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 2021-07-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX  XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of 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 non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was a victim of identity theft and the debt was removed from credit report. The debt was purchased and again and is currently in litigation. I would like this removed from credit until the court proceedings are concluded.

Company response to consumer: Closed with non-monetary relief