vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, XXXX XXXX, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.

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 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to Trans Union LLC via letter twice to remove inaccuate information from my consumer report in which after the first letter they responded with an update in which i will upload. The information in question pertains to the posting of XXXX XXXX XXXX on my consumer report, Trans Union LLC or XXXX XXXX XXXX has yet to provide proof ( contract with my signature ( wet ink ), I never entered into a contract with this company via verbal nor any other, so im asking Trans Union LLC to either provide evidence ( contract with my signature, wet ink or verbal recording with me entering into an agreement with this company ) or remove inaccurate information from my consumer report. If Trans Union LLC does not take appropriate action to address the inaccuracies, I will consider seeking legal action.

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 2023-07-25 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: Nelnet, Inc.
State: NV

Complaint narrative:
I have co-signed my daughter 's XXXX XXXX student loan. 
Every month Nelnet Department of Education reports different balances while the loan has been deferred. 

Because of this practice, my credit continuously falling score fell from XXXX to XXXX, thus putting me in hardship. 

After spending months trying to find out who is responsible for Nelnet XXXX or Department of Education, every entry points this to credit. Credit bureaus clearly say we report what is reported to us. 

This harassment must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25 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: LA

Complaint narrative:
I recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail. 
the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked XXXX XXXX for validation of debit and this is the letter I received.

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 2023-07-25 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: LA

Complaint narrative:
I recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail.

the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked XXXX XXXX for validation of debit and this is the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MO

Complaint narrative:
I had a flag show up on my credit report, I called the company immediately asking them about the XXXX repeated marks on my credit report totaling {$8000.00} I asked for a written verification of debt. I gave them my correct mailing address since then I have received no follow up my credit report shows a XXXX point mark and they will not respond to texts, or email, and its been over a month since I requested they furnish proof. The only option on their phone menu is to pay the debt and I have not gotten anyone respond to me at all. I do not believe the stuff is mine I of it theyve given me absolutely nothing. And they threatened to sue me over the phone during the first phone cal when I actually got through

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 2023-07-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was shopping for plane tickets on XXXX. When I got to the payment page, a promotion for a XXXX American Express card came up and it said if I spend over {$2000.00} in the first 6 months, I would receive {$300.00} off my statement balance and XXXX mileage points. To obtain the promotion, I purchased a more expensive seat to XXXX to hit the {$2000.00} criteria. I never received the XXXX off nor the miles. I called American Express and they stated that I had already previously received a promotion on my platinum car, so I could not receive this promotion. I informed them that the promotion never stated that caveat in addition I hadn't received a promotional offer for my platinum card, I just had enrolled. She searched for my previous promotions received and could not find it. She said the system doesn't go back that far for her to check and that said she couldn't help me further. I entered a complaint with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Account Name : XXXX Account number : XXXX Date of open : XX/XX/XXXX Balance : {$1500.00} XXXX. Validate Account Account Name : XXXX  Account number : XXXX Date of open : XX/XX/XXXX Balance : {$3800.00} XXXX. Please validate this inquiry is mine Inquiry name : XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Account number : XXXX Date of open : XX/XX/XXXX Balance : {$1500.00}

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
BJS CREDIT CARD WHICH IS NOW XXXX  XXXX : I AM DISPUTING THE CASH ADVANCE BALANCE TRANSFER FEE OF {$150.00} PLUS ANY LATE FEES AND/OR INTEREST CHARGED TO MY ACCOUNT. THE BALANCE TRANSFER REQUEST WAS NOT HANDLED IN A REASONABLE TIME FRAME. THIS FORCED ME TO OBTAIN ANOTHER LENDING SOURCE TO PAYOFF MY XXXX XXXX  ON TIME. DOZENS OF MESSAGES AND PHONE CALLS WERE MADE TO CUSTOMER SERVICE AND TO SUPERVISORS IN THE BALANCE TRANSFER DEPT. WHICH PROVIDED NO REASON AS TO WHY THIS TRANSFER TOOK 8 WEEKS TO COMPLETE. SINCE THE BALANCE TRANSFER WAS NEEDED TO AVOID ANY INTEREST ON MY XXXX XXXX, I OBTAINED ANOTHER LENDING SOURCE. THE SECOND LENDER APPROVED MY BALANCE TRANSFER REQUEST AND SENT THE MONEY TO MY XXXX XXXX. BJ 'S BALANCE TRANSFER STILL HAD NOT GONE THROUGH AT THAT POINT. WHEN IT FINALLY DID GO THROUGH, MY ACCOUNT AT XXXX WAS ALREADY PAID IN FULL, SO I PAID BACK THEIR TRANSFER IMMEDIATELY IN THE AMOUNT OF {$5300.00}. SINCE BJ 'S BALANCE TRANSFER MONEY WAS RETURNED, THERE WAS NO REASON TO CHARGE A FEE, ESPECIALLY DUE TO THE LENGTH OF TIME FOR THE TRANSACTION TO COMPLETE. I HAVE NO INTENTION OF PAYING A FEE TO BJ 'S FOR SERVICES THAT WERE NOT PROPERLY HANDLED. I HAVE REQUESTED MANY TIMES FOR BJ 'S TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$150.00} PLUS LATE FEES AND THEY HAVE IGNORED MY REQUESTS. THIS ACCOUNT HAS BEEN FLAGGED ON MY CREDIT REPORT AT XXXX XXXX AND OTHER CREDIT BUREAUS AND IS DAMAGING MY GOOD CREDIT. I HAVE ADDED A CONSUMER STATEMENT REFERRING TO THIS ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HAD A LATE PAYMENT TO THIS COMPANY IN ALL THE YEARS I WAS A MEMBER. 
THIS BJ 'S ACCOUNT HAS NOW BEEN TRANSFERRED TO XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/2023 for XXXX at time XXXX. 
Police report XXXX with XXXX XXXX XXXX XXXX, NC Informed Citi Bank of fraud and informed Best Buy. I fear this charge will not be removed from my card. I did not make this instore purchase and have requested XXXX retrieve footage at time of purchase but am being told they will not release the footage. Please assit me with this request or to ensure all measures are being taken to resolve this fraud.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: MO

Complaint narrative:
XXXX XXXX XXXX  posted charges after the house was sold and occupied by new owners. We do not owe this debt and have been living out of state for more than 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NC

Complaint narrative:
I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-25 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 called XXXX XXXX XXXX on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from XXXX XXXX XXXX. I keep a XXXX number and a XXXX address. My XXXX phone number and XXXX address is clearly on my credit reports, so XXXX XXXX XXXX has my current contact information. The representative told me there are two accounts with my name showing Ohio and Virginia. I have never lived in either state nor traveled to those states. The original creditor, XXXX XXXX XXXX XXXX is also not in the state of Ohio or Virginia, but in the state of Texas. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( XXXX of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 called XXXX XXXX XXXX on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from XXXX XXXX XXXX. I keep a XXXX number and a XXXX address. My XXXX phone number and XXXX address is clearly on my credit reports, so XXXX XXXX XXXX has my current contact information. The representative told me there are two accounts with my name showing Ohio and Virginia. I have never lived in either state nor traveled to those states. The original creditor, XXXX XXXX XXXX XXXX is also not in the state of Ohio or Virginia, but in the state of Texas. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( XXXX of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There are 2 lates that are showing on my credit report for my XXXX XXXX XXXX credit card when they weren't late and hte company had issues with there website and was down when i tried to make the payments. 

It was in the month of XXXX and XXXX of 2023. The company is going through a bankruptycy and the card site was down. They didnt mail me the statement till after the due date also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX around XXXX in the morning, I went to a Capital One ATM located at XXXX XXXX XXXX XXXX in XXXX, Virginia to make a cash deposit of {$1000.00}. As usual, I inserted my bank card and deposited XXXX ( {$100.00} ) dollar bills to the machine. The machine sounded like it normally does when you deposit cash to the ATM machine. This time, however, the machine was taking much longer than usual and for about 5 minutes I continued to wait in hopes that I would be able to receive a deposit slip. After 5 minutes, the screen went black and did not receive any confirmation nor my bank card back. Immediately I was concerned and went inside to speak with someone in the bank. 
I was informed by a bank teller that they do not have a key to that ATM and was instructed to submit a claim. My claim ( # XXXX ) for my account ending in XXXX was submitted. 

Over a month later on XX/XX/XXXX, I received an email reply stating that my claims has been denied. Their reasoning is that their review of ATM systems do not show a record of a deposit into your account at the ATM terminal. 

This is completely unacceptable and I'm very concerned and upset about this matter for the following reasons : 1- My money was inserted into the machine so how could {$1000.00} dollars NOT be accounted for? 
2- Not only does the ATM stole my money, but it also stole my bank card 3- They should have camera surveillance of me inserting money into the machine 4- They are adamant about helping their customers with fraud, however, they are the ones robbing me of the {$1000.00}! 

Please, I urge you to help me in getting my {$1000.00} and bank card back. There should be no reason why they are not able to locate my money in the machine. 

Thank you so much for your help and please let me know if there is anything else that I can provide to get this matter resolved. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief