vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: AVANTE
State: TN

Complaint narrative:
I have never agreed paying this company I never applied credit with them this goes against the FDCPA I am requesting for validation under 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: AES/PHEAA
State: GA

Complaint narrative:
AES/PHEEA is reporting I owe on students loans that are XXXX  years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I request XXXX XXXX to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

XXXX XXXX is ordered to remove all incorrect information documented in this report. If it is not removed within 14 business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX 2. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX XXXX. XXXX credit card XXXX charge off 5.XXXX XXXX XXXX XXXX XXXX XXXX They are reporting DLA of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me. 
All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I request XXXX XXXX to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

XXXX XXXX is ordered to remove all incorrect information documented in this report. If it is not removed within 14 business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX XXXX. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX 4. XXXX credit card XXXX charge off 5XXXX XXXX XXXX XXXX XXXX XXXX They are reporting XXXX  of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me. 
All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.

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 2022-01-21 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: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I got a consolidation loan from PenFed back in XX/XX/XXXX. I missed quite a few payments on this loan but applied for a hardship application and had my missed payments bumped to the end of the loan. In XXXX I went with a Debt Consolidation company to pay off my debts. I was told that once I went with this company I can no longer make payments straight to Penfed and that those payments would have to come from the company and my previous agreement with Penfed is now terminated. I didn't stay with that company long but made an agreement with Penfed that let me keep my payments at the lower payment. Long story short I have been making {$500.00} payments since XX/XX/XXXX. My balance since XX/XX/XXXX was {$23000.00}. Today my balance is still {$23000.00}. I have missed quite a few payments during that time but for almost the last XXXX years I have made my payments on time and nothing has changed. I don't know how this is possible. When I look at my statement my payments are going to finance charges and the insurance debt protection. Which was canceled back when I went to the debt consolidation company. Some months my payments goes to just finance charges other moths it goes to finance charges and this insurance, I don't understand for the life of me how none of my payments are going to the principle.

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 2022-01-21 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:
XXXX is reporting I owe on students loans that are 10 years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is 10 years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 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 2022-01-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting I owe on students loans that are XXXX years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX is reporting I owe on students loans that are 10 years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is 10 years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
I applied for a XXXX  XXXX ' XXXX XXXX XXXX in XXXX 2021, was approved. The card was sent to me. I used it a few times, spending approximately {$1800.00}, paying off each charge before the due date. It was a card that gave you grocery store rewards for every dollar spent. I have never received the rewards I was entitled to. In XXXX I tried to use my card at a XXXX XXXX XXXX XXXX grocery store, it was declined. I called US Bank, they informed me my account was closed, because they suspected fraud. The person I talked to told me they could not determine WHERE I was getting the money to pay my bill. They couldn't prove my checking account was actually mine. I have had the same checking account at the same bank for over 15 years. US Bank informed me I needed to send them my bank statements to prove it was my account. I called my bank, they informed me NOT to send them bank statements, that they could either have a three-way phone call with US Bank to verify my account, or they could write a letter and confirm my account. I had them write a letter. I took it to a US Bank branch, met with a banker, who faxed my account info. to the " verification dept. '' this was over a month ago. They sent me no further correspondence, no decision, no reply whatsoever. I am extremely unsatisfied with US Bank. The people I have spoken to have been extremely unprofessional, unhelpful and very uninterested in helping me resolve this situation. I have never been forced to send bank statements to a credit card company in my life! I asked the US Bank rep. to ask them why this happened. They think I am using someone else 's bank account to pay my bill!! This makes no sense! They informed me I could have them reopen my account if I sent them the information and they " did an investigation ''. Now if I go on the website where I used to pay my bill, ( the credit card 's website ) my account no longer is even listed, since I owe them no money.

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: NY

Complaint narrative:
Yes this is a complaint against cash at by square, I have a cash app card The last 4 is XXXX, and on this card I locked it then I ordered me a person green card I was charged {$5.00} and some odd cents for this card by cash out by square, when it came to activate this new card cash app wouldn't allow me to activated. 

Then I've been writing customer service, too fix this problem, Cash up a taxi for front and back copy of my identification state of New York a my bank statement in according with my bang I sent it to them with all transactions in the balance of my money blacked out except my home address and the last four digits of my account number because my bank XXXX XXXX Does not Trust cash it but it's square or Square, Because four reasons that a lot of there customers was complaining about this to Cash App by Square. Due to the fact that cash app has been hacked on numerous occasions that I agree with my bank and a friend of mine 's that works for New York State Department of Motor Vehicle better known as DMV, Said I shouldn't send them my front and back of my driver 's license because this is help if of identity get started especially a company called Cash App by Square. 

All I'm trying to do please get my new cash app card activated and have no more problems with these people at Cash App. Now they're asking me to send it again from the back of my identification and bank statement. Which I said to them 1 2 3 I believe up to five times and they avoided and they still playing their little games then they gave me a number to call I called the number and they we're mad because they've been sending a lot of people to call their number and they're the people that handle the transactions of transferring the monies and all this they complain about how cash at by square likes to beat around the bush and play their games with their customers and given their this company 's telephone number out what they have nothing to do with cash out all they do is have them the transfers. 

I wish you guys could access my chat but I'd be more than happy to screenshot them and attach it when I hear something back from you guys all I want is my card activated or my money that they're kidnapping or stealing sent out to my bank card that's on file. 

I would like to thank you for your time and I tindly wait for your response. 


XXXX and XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Since XX/XX/2019 Portfolio Recovery Associates has been violating my rights by reporting an inaccuracy for the past 27 months on three different credit reports. I have attached all for reference. These NUMEROUS violations include but are not limited to 15 USC 1692A ; 15USC 1692J ; 15 USC 1681 A4 ; 15 USC 1681a2 ; 15 USC 1681A ( 2 ) ( a ) ( i ) ; Title 31 USC 3123. Per Federal Law I would like my compensation for each violation and the damages that were caused by this reporting to my credit report. 


Not only was PRA reporting the incident but the Big Three XXXX XXXX  have been reporting the inaccuracy and claiming its been verified for multiple years now. Its time they are all brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. This is the 2nd time that I have reported these inaccurate accounts with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: GA

Complaint narrative:
I HAVE A VICTORIA SECRET ACCOUNT THAT I DO NOT USE AND HAVE NEVER BEEN LATE ON IT. I RECENTLY HAD A 30 DAY LATE PAYMENT THAT REPORTED TO MY CREDIT TODAY. I WAS VERY TAKEN BACK AS I PAID THIS ACCOUNT OFF AND I DO NOT USE THIS CARD. I CALLED VS IMMEDIATELY AND THEY SAID THAT IT WAS DUE TO SOME TYPE OF INSURANCE ON MY ACCOUNT. THE REP CORRECTED THE ERROR AND BRAUGHT MY ACCOUNT BACK TO A ZERO BALANCE. HOWEVER I AM LEFT WITH A 30 DAY LATE ON MY CREDIT REPORT. AND I NEED THE LATE PAYMENT REMOVED AND THE STATUS UPDATED ON ALL 3 BURROUGHS. I AM IN THE PROCESSS OF PURCHASING A HOME. LITERALLY A FEW WEEKS OUT OF CLOSING AND MY WHOLE LOAN IS IN JEOPARDY FOR {$2.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX are sharing all my Personal and Confidential information with other companies with out my permission or consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was told that I could upgrade my T.J.Maxx card by synchrony bank to one of their XXXX instead of just having a retail cart and when I called in to have it done I was told that I would have to reapply for a brand new card which was not explain to me I have had that car for over five years in good standings and I feel as though I deserve to be able to switch or do a product change from just having a retail card to also being able to have a XXXX associated with it

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 2022-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : This is in response to CFPB complaint ID : XXXX. Thank you for your letters dated XX/XX/2021, and XX/XX/2021, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form for loans with the following account numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Not a duplicate. 
NMAC received in XX/XX/2021 written instructions to delete this consumer credit transaction off of all my consumer reports. Pursuant to 15 USC 1681b ( a ) ( 2 ) NMAC may only furnish in accordance with written instructions from me the consumer. My rights are continuing to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC. has not proven that credit one is my credit card account. 
I asked them to show proof of a contract, my name, and my social security number. 

The FCRA states by law a collection agency should send information regarding the collections. I have not received any information which proves XXXX XXXX is my account. LVNV can not prove my name, address, phone number nor Credit Card number belongs to me. 

I dispute this accounts belongs to me and had I been notified properly a police report would have been filed for FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: DISCOVER BANK
State: NY

Complaint narrative:
I got an alert through my bank that a hard inquiry was made under my name for Discover Financial services. I reached out to discover and they indeed found and inquiry, the application was denied and closed. However, I did not make any inquiries for discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I purchased a heat pump from XXXX XXXX XXXX on XX/XX/2021 for {$2800.00} that arrived damaged. I followed the company 's process for reporting that damage and they indicated they would issue a refund. They did not issue a refund and I contacted Capital One. Capital One issued a temporary credit and asked for the merchant to respond. The merchant provided a response saying that the item was not damaged, however in their own response they show documentation that the product was delivered damaged. 

Capital One rebelled and asked me to respond with documentation supporting my claim. I provided 17 pages of documentation showing that the product was delivered damaged, showed the conversation with the company where they show it was delivered damaged and said they would issue a refund, along with other documentation. Within a single day Capital One denied the claim saying I did not provide information. 

I received a damaged item. I followed their process for reporting this. I followed Capital One 's process for disputing. My agreement with Capital One clearly shows that I have protects for these things. Supposedly the protect against such things, not only with basic protection but also insurance against this type of thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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