vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I lived at XXXX at XXXX from XXXX with a roommate, XXXX. XXXX stayed in the apartment after I moved out, and we both signed a roommate addendum to remove me from the lease and all responsibility for rent went to XXXX. I never heard from XXXX at XXXX or XXXX after I moved out. On XX/XX/XXXX I received a collections letter in the mail from National Credit Systems stating that I owe {$2300.00} and that I have not made any arrangement to pay it. The itemized charges online say that two months of rent are owed and that our move out date was XX/XX/XXXX. I moved out long before this and was supposed to be removed from the lease by the apartment when I signed the document in XX/XX/XXXX. I never received any other notice from the apartment or collection company before receiving this letter. I have an email between me, the apartment, and XXXX XXXX giving permission to make the addendum for us to sign, but do not have a copy of the addendum because XXXX at XXXX did not respond to my requests for a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-03-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: CA

Complaint narrative:
We reached out with Klarnas customer service ( XXXX ) for a bill dispute on XX/XX/2022. Regarding about a purchase that was billed on my credit card. It was an online purchased worth {$1600.00} from XXXX XXXX on XX/XX/2022. The XXXX XXXX XXXX was unable to meet our expectations. We canceled our order on XX/XX/2022 due to product not received. We are informed by XXXX XXXX XXXX XXXX Customer specialist to dispute it with the bank. At the very same day is the day we reached out to Klarna. As they reviewed our request XXXX a Resolution Specialist of Klarna. Concluded that it has to be a 120 days from the date of purchase. As you can see from the email conversation was dated on XXXX XXXX, 2022. Its still less than a 120 days from the time of purchase. XXXX XXXX stated through an email to dispute it with our bank to get refunded. I did my part to dispute it in a timely manner that is less than 120 days from the time of purchase. As customer paying with a credit, I am relying with full confidence to Klarna as the credit card company of my choice to mediate this issue. But unfortunately, I have been turned down and disappointed by Klarnas decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: MD

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. 

Account name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name XXXX XXXX XXXX -ACCT-XXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX XXXX -ACCT 2005 Account name : XXXX XXXX XXXXXXXX -ACCT XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXX  -ACCT XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX- ACCT XXXX Account name : XXXX XXXX XXXX XXXX  - ACCT 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 a account without my written instructions 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 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 2023-03-31 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: CARD Corporation
State: NY

Complaint narrative:
I lost my wallet on XX/XX/23. In my wallet I had my Prepaid debit card, Identification, and {$80.00} cash. When I arrived home later that evening. I realized my wallet was missing. I immediately called customer service to block and order a new card.I then became aware of 4 unauthorized charges had taken place while my card was lost. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I last used my card at a XXXX for {$5.00} earlier that same day. That may have been where I lost my card. I followed the customer service representative 's instructions and completed the form that was sent to my email. I did so in a timely fashion. I followed all instructions. I soon received my replacement card and a few days later a credit was put into my account. However, when I attempted to use my new card my card was blocked. I called customer service and was told " I was given provisional credit '' but my case was denied. ''????? what sense does that make? I keep calling and no one can give me a good reason why I can't have. access to my money. I followed the bank instructions by reporting my card lost within 12 hours of losing it. I filed a dispute promptly, and my case has still been denied. Will you please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/, I am now speaking XXXX. I have had three codes sent to me because employees of Fifth Third do not know what they are doing. 

I have been on the phone for 3 hours now. XX/XX/, a supervisor within 5/3 attempting to do the balance transfer but it was flagged because it did not recognized the employee of 5/3. This happened two more times on XX/XX/XXXX XXXX The representative in customer service was " passive '' and did not correct the amount. He stated a balance transfer of {$4100.00} instead of {$4200.00} so we had to do the it all over again with the Fraud Department. 5/3 does not have a code for customer service on the telephone who are helping customers do the balance transfer. This resulted in 3 codes from the Fraud Department. XXXX XXXX XXXX    at XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XX/XX/XXXX Then on XXXX XXXX XXXX  at XXXX : XXXX XXXX messages sent to my number XXXX. 
Three codes were sent as follows : XXXX ; XXXX approved for {$4100.00}. 
This was approved. XXXX said it had not been approved. There is a recording where it was approved for {$4100.00} and your records can be secured by the court system. Approved on code XXXX for {$4100.00} is on record but the slow 5/3 employee did not know what he was doing and later changed it to {$4200.00} then problems again. 

I have been on the phone for almost 3 hours now due to the inability of 5/3 bank to know that an employees of 5/3 in corporate 5/3 were the ones processing the balance transfer. The INTERNAL COMMUNICATIONS WITHIN 5/3 IS HORRIBLE. 
3 HOURS WASTED. 
STILL NO BALANCE TRANSFER. XXXX WOULD NOT LISTEN TO THE PROBLEM. I NEVER EVER WISH TO SPEAK TO HER AGAIN. I TOLD HER TO GET OFF MY PHONE THAT IF SHE KEPT SAYING THAT MY BALANCE TRANSFER WERE NOT APPROVED THAT I WOULD TAKE LEGAL ACTION. THERE WAS AN APPROVAL FOR THE CODE XXXX ON TWO ( 2 ) RECORDED LINES THAT ARE PERMITTED BY LAW. SHE, XXXX, HAS GOTTEN 5/3 IN A LOT OF TROUBLE BECAUSE SHE DID NOT LOOK PROPERLY AT THE RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Ive submitted this complaint 3 times CFPB & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX and TRANSUNION with FTC Fraudulent report support my position. It seems XXXX and TRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}

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 non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: GA

Complaint narrative:
After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX  and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/23 there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Reference XXXX XXXX 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 a account without my written instructions.

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 2023-03-31 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: CA

Complaint narrative:
XXXX XXXX XXXXI - TOTAL XXXX  # XXXX my credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$550.00} Credit Limit {$0.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER

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 2023-03-31 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: IL

Complaint narrative:
On XX/XX/ I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am behind one payment and another one will be due XX/XX/XXXX. 

I contacted them in XXXX to see if I could put XXXX payment to end of loan. No I cant. 

I got a letter saying I have to bring account current by XX/XX/XXXX or some date. 

I spoke with someone on Monday or Tuesday the week of XX/XX/XXXX, she was not pleasant and said I had to make payment before they could discuss with me. 

My hardship is I had a XXXX! I had no health insurance and my meds to keep me alive was expensive. 

I will be collecting Medicare XX/XX/XXXX so if that one payment could go to end of loan, I will be able to keep them up. 

And what is that {$20.00} corporate fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Several years ago I purchased a used vehicle through a car dealership and a finance company credit acceptance corporation and I surrendered the vehicle back to the finance company after having it for 1 month and I purchased the vehicle for {$3000.00} and and now the collection on my credit report says I {$7200.00} and it's stopping me from getting a home loan for me and my kids

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 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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. 

Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX, Account name :, 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 a account without my written instructions 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 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 2023-03-31 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: Experian Information Solutions Inc.
State: IA

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. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX, Account name :, 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 a account without my written instructions 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 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 2023-03-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attempted to dispute incorrect items with Experian since XX/XX/2023. They continue to respond that they can not find my credit file. I have furnished all of the documents they have requested twice already, and still get the same response from them. I am pulling my credit report from them directly, have called their customer service # and the representatives can locate my credit report.

I am attaching a copy of everything that I have sent to them including the original dispute request dated XX/XX/2023. Please assist in getting Experian to do their duty to investigate these discrepancies. 

This is causing me extreme anguish, XX/XX/XXXX, and countless other issues in my day to day life.

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