vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have consolidated then refinanced my student loans from XXXX XXXX, then Discover, and now currently XXXX XXXX XXXX. In 2018, I refinanced the total amount from XXXX XXXX to Discover. In doing so, Discover was tasked with purchases those loans from Discover. According to the records on XXXX XXXX, Discover bought {$25000.00} of loan # XXXX and {$23000.00} of loan # XXXX in XX/XX/2018 ( {$48000.00} in total ). However, the total amount of loan # XXXX was {$29000.00} and the total amount of loan # XXXX was {$26000.00}, which equals {$56000.00}. 

In short, they never purchased the full loan amount of either, leaving {$7300.00} in an account I believed to be closed. Those loans have accrued interest, unknown to me, over the course of XXXX years, leaving me with nearly {$12000.00} owed in an account that I was told had been bought, refinanced, and closed. It's also of note that I never received any indication from XXXX XXXX that these loans were delinquent, which gave me no reason to suspect anything odd. 

Now, once I had discovered this, I reviewed my documents and came to the above conclusion. Then, I contacted XXXX XXXX. They told me that this was the fault of the lender that refinanced, Discover. I then called Discover, and have had an ongoing XXXX month case opened to look into this. The employee I contacted and have been working with has been very kind, but Discover makes it very difficult for him to help beyond sending it to another department. He believes that it was likely a typing error done by anther employee. However I've received no indication that this is being handled in any way by Discover. Please help me resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Due to the negligence of XXXX, a data breach occurred and billions were recovered to this organization. In the interim, my life was affected financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have written several letters over the past 3 years trying to resolve this issue. I was a victim of identity theft back in XXXX I reported to Navy Federal customer service and was assured that everything was going to be taken care of. I had 2 accounts with Navy Federal. Account XXXX in the amount of {$10000.00} and account XXXX. {$1300.00}. I was recently checking my credit report again and noticed on the account XXXX it showed a payment. I never made a payment on this account. I wrote navy federal requesting documentation of this payment. The last payment that I myself made was back on XXXX and because navy federal never tried to fix the issue I wasnt going to pay for fraudulent charges. Its illegal for navy federal to say a payment was made in XXXXXXXX XXXX XXXXXXXX but refused to produce the information and why wasnt a payment made on the other account which the balance is very small. It doesnt make sense. This is utterly unacceptable illegal debt practice. I would be crazy to make a payment to start the process over another 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is not valid and does not belong to me. I have disputed the collection item on my Consumer report. They have ignored the request to clear this item and to validate with providing the Original contract. Per the item listed on the Consumer report ; the open date is XX/XX/2023 but reported also on XX/XX/2023. This is violating my rights as a Consumer as they are tarnishing my credit reputation. As per the Consumer laws, XXXX XXXX and others, they have violated many laws. They did not send any letter for collection. Since there is false reporting with this item, I am demanding that they remove this from my Consumer credit report. I do not have any contract with National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a complaint against Equifax regarding a series of issues I have encountered while attempting to update my credit report. The details of my experience are outlined below : On XX/XX/XXXX, I visited the Equifax website to update my credit report. However, I encountered an error with the code " BLNK, '' indicating that my credit report was blank. Following this, I promptly contacted Equifax customer service, and a representative assured me that the issue would be resolved within 15 minutes. Unfortunately, the problem persisted. 

On XX/XX/XXXX, I reached out to Equifax again via their website. This time, a representative acknowledged the error and committed to resolving it. He explained that the steps to rectify the situation involved removing internal data blocking my report, escalating the issue, removing a fraud alert, and resetting my password. Despite my reservations about the necessity of resetting my password, the representative assured me that it was a required step to address the " BLNK '' error. To substantiate our conversation, he provided a confirmation code. 

Regrettably, on XX/XX/XXXX, I discovered that the issue persisted. Unable to access my credit report through Equifax, I resorted to annualcreditreport.com, only to find that my Equifax report now displayed an incorrect birthdate ( XX/XX/XXXX instead of XX/XX/XXXX ) and two unauthorized accounts from XXXX XXXX XXXX XXXX. These inaccuracies were introduced during the attempted resolution of the " BLNK '' error, and I believe they are damaging my ability to purchase a home. 

I am requesting an immediate investigation into the following matters : Removal of the " BLNK '' error from my credit report. 
Correction of the inaccurate birthdate on my Equifax report. 
Immediate removal of the fraudulent accounts from XXXX XXXX XXXX XXXX. 
Resolution of any negative impact on my credit score resulting from these inaccuracies. 
I am in the process of purchasing a home, and the presence of these unauthorized accounts is jeopardizing my ability to secure financing. I appreciate your prompt attention to this matter and request your assistance in ensuring a swift and satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I took out a line of credit through Citizens Pay and in the contract it stipulated that I would pay $ 25 monthly. however, after contract was signed. In addition, I successfully signed up for auto pay and discovered that they had a technical issue with their XXXX XXXX software once my credit score dropped for late payments. I have attempted to contact Citizens Pay for over 2 months via emails, certified letter, And several telephone calls to resolve the above issue albeit, it's a breach of contract for them increasing the monthly fee. However, they have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
This is reporting on my credit report as a collection and has caused my credit score to drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reel Time Capital LLC
State: NV

Complaint narrative:
This company keep putting this on my report I disputed it three times this is the harassment no one can not afford. No cable bill {$900.00}. I am on Social Security receiving XXXX. They sent out letters. They email me constantly. This is harassment and this please be removed. Im tired of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Sent out letters to all 3 credit bureaus to get inaccurate information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my XXXX credit reports. 
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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my XXXX credit reports. 
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 2023-12-17 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:
My info was stolen through the XXXX breach per their own website. My account was effected. Ever since I've had over XXXX inquiries and half a dozen accounts opened under my name. I need this removed immediately on the grounds of identification theft. I have absolutely no clue who's account that is not have I ever done business there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I initially received an account summary from Citizens Pay with a statement balance for XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It used a XXXX XXXX address that is not my account. 

I ignored it thinking it was junk or fraudulent as I did not apply for the line of credit nor do I even own an XXXX and they used a XXXXXXXX XXXX  address as the account name. 

I then received notice from a debt collector. I submitted the dispute form regarding the claim and they returned a statement from Citizens Pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kubota North America Corporation
State: TN

Complaint narrative:
My estranged husband applied for a Kubota Credit loan to purchase machinery. He used my name and credit to obtain the loan with myself as a co-signer. I have never been in the XXXX, Tn Kubota store nor did I agree to co-sign. I never signed for a loan with Kubota. I found this loan when I checked my credit report and I immediately called Kubota Credit Corporation. They sent me the contract which was electronically signed. I filed a report with the XXXX, TN police department. They admitted they only spoke to " me '' over the phone and that " I '' was not in store that day. Kubota is dragging their feet in trying to resolve this issue. I have made a fraud complaint with Kubota Credit and I am still getting the run around.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: VA

Complaint narrative:
XXXX has violated my right to privacy by reporting this account information. No written consent was given by me granting them access to report any of my personal and private information, nor to communicate any payment history on my behalf.

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 2023-12-17 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: VA

Complaint narrative:
XXXX has violated my right to privacy by reporting this account information. No written consent was given by me granting them access to report any of my personal and private information, nor to communicate any payment history on my behalf.

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC/Resurgent Capital Services XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Fraud/ Validation of Debt and Request for Proof of Contract Dear Sir/Madam, I am writing to dispute the alleged debt associated with your recent contract start dates of XX/XX/XXXX. I dispute the validity of the debt you claim I owe to Resurgent Capital Services/LVNV Funding. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you validate this debt as per my rights under the law. 
According to your communication, you assert that I entered a contract with Resurgent Capital Services/ LVNV Funding on XX/XX/XXXX. I categorically deny any such agreement, and I have no record of any contractual relationship or communication with your organization. To address this matter promptly and to ensure legal clarity, I request that you provide the following information within 45 days of receiving this letter : 1. Verification of Debt : Provide detailed documentation validating the existence of the alleged contract reflecting my signature and the start date, including the complete payment history. 
2. Proof of Contract : Furnish a signed contract or agreement between myself and Resurgent Capital Services/LVNV Funding llc dated XX/XX/XXXX. This should include my signature and any relevant terms and conditions. 
Failure to provide the requested information within the specified timeframe of 45 days ( XX/XX/XXXX ) will be construed as an admission that Resurgent Capital Services can not substantiate the alleged debt, and I will take appropriate legal action as you all are committing fraud. Furthermore, I wish to bring to your attention that any attempt to report inaccurate information to credit bureaus, fraudulent representation of debt, or any other deceptive practices will be considered a violation of federal and state laws. Such actions may result in legal consequences, including but not limited to legal claims for falsification of information, fraud, and other relevant banking crimes. 
I trust that Resurgent Capital Services will handle this matter with the utmost diligence and provide the necessary documentation to validate the alleged debt. Your cooperation in this regard is anticipated. 
Sincerely, XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: VA

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

I told XXXX, Transunion, and XXXX to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-17 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: VA

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

I told Experian, XXXX, and XXXX to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2023 I got an email from Sequium Customer support offering to settle a {$560.00} debt for {$220.00}. I took this office to get this off my credit and be done with it. They have started to call me continuedly well I am at work or asleep so I did not get to speak to them. Today XX/XX/2023 I was notified of a reduction to a debt owed. I went to look at what was done and saw the companies only took the {$220.00} off the account and did not close it has the emails and web site had stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I had incident with American Express where I decided to terminate my dealings with them. I closed both credit card accounts ( one that has a credit balance, and they still have not refunded ), multiple savings accounts and requested 4 CD accounts to be closed. They sent me forms to close the accounts. I returned one for the account maturing XX/XX/XXXX, but never received the funds. When I called to inquire, they said they rejected the form because the account was in the wrong place. This rejection was never communicated to me. Although I have already submitted the required form, they state a new form must be submitted, and the account will now have closure penalties. I wish for american express to do as initially instructed and close the account as requested, and return my money, as well as to refund the credit balance on the credit card that has been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 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 in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from my equifax credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation