vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I HAD A CREDIT CARD ACCOUNT WITH CBNA WHEN I WAS IN THE MILITARY. I MISSED A PAYMENT WHILE I WAS AWAY ON XXXX IN XXXX OF XXXX BUT I GOT MY ACCOUNT BACK ON TRACK. IN XXXX OF XXXX AFTER I WAS XXXX FROM THE MILITARY I FELL ON HARD TIMES AND I WAS UNEMPLOYED FOR A FEW MONTHS. THIS CAUSED ME TO FALL 120 DAYS BEHIND ON MY CARD PAYMENT. WHICH CAUSED CBNA TO CLOSE THE ACCOUNT. THIS WAS ALSO DONE WITHOUT MY KNOWLEDGE. I WAS NOT NOTIFIED OF THIS AND CBNA WAS AWARE THAT I WAS UNEMPLOYED AND FELL ON HARD TIMES. WHEN I WAS FINANCIALLY ABLE TO I PAID THE ACCOUNT IN FULL IN XXXX OF XXXX. SINCE THEN THIS ACCOUNT BALANCE HAS BEEN PAID. THIS ACCOUNT HAS MANY DEROGATORY MARKS AND IS SEVERELY HURTING MY CREDIT SCORE. I AM REQUESTING THAT CBNA IMMEDIATELY STOPS FURNISHING THIS ACCOUNT WITH THE BUREAUS AND REMOVE THIS ACCOUNT FROM MY REPORTS. THIS ACCOUNT IS HINDERING ME FROM OBTAINING CREDIT. I AM TRYING TO PURCHASE A HOME AND IM UNABLE TO MOVE FORWARD WITH THIS NEGATIVE ACCOUNT BEING ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
GREETINGS CFPB, CARE CREDIT IS OVER CHARGING ME, THEY SAID I HAD NO PAYMENTS CREDITED TO MY ACCOUNT .I PAID A PREVIOUS CHARGE ALSO AND THEY ARE CHARGING ME ALSO, THEY CLOSED MY ACCOUNT AT XXXX XXXX, XXXX XXXX DOLLARS. I OWED THEM XXXX XXXX DOLLARS FOR XXXX XXXX XXXX XXXX CA. PAYMENTS ARE - $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX $ XXXX $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ALL FROM MY XXXX XXXX XXXX XXXX ACCOUNT TO XXXX BANK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AFNI INC.
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following account is fraud account that was opened without my knowledge or consent : XXXX account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}

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 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2021, I wrote a letter to Ad Astra Recovery Services, requesting them to provide proof that they are, in fact, contracted with Speedy Cash in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and Speedy Cash. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, Ad Astra Recover Services continue to report this account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}

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 2021-04-07 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: CA

Complaint narrative:
I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX  - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I wrote a letter to CMRE, requesting them to provide proof that they are, in fact, contracted with XXXX XXXX in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and XXXX XXXX. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, CMRE continue to report this account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/2021. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX called me on my cell phone. They asserted that I owed XXXX XXXX a balance in excess of {$500.00}. When I disconnected XXXX as far as I know there was no balance. In addition, I contacted XXXX about their equipment in order to avoid an equipment charge and they indicated, in writing that we could dispose of our equipment. There was not mention of any balance. Now more than XXXX year later XXXX is allegedly sending my account to collections. 

When I asked for documentation that would show such a balance the person on the phone put me on hold or mute and did not come back to the phone. XXXX are my notes from the call. 

Called from : XXXX Caller ID shows : XXXX XXXX XXXX  Called at XXXX XXXX - Alleged the call was about a XXXX XXXX balance Asked for payment I asked for what I am entitled to under FDCPA to verify this balance. 
They mute the phone and do not hang up but refuse to continue the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This is the third time they allowed this fraudulent account to appear on my credit report after I disputed before and it was deleted. XXXX XXXX, states I owe {$340.00} dollars for an account I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: WI

Complaint narrative:
I opened an account with XXXX XXXX XXXX on XX/XX/2020 sending them {$500.00} to purchase XXXX cryptocurrency. I sent another {$500.00} on XX/XX/XXXX. I would now like to sell my XXXX and now find out that my account is frozen. I have been trying to speak with someone for XXXX  days XXXX sending many emails every day XXXX now to unfreeze my account. I also called and was only able to leave a voicemail to which I have not received a response. I went to their XXXX page to see if I could contact them there. They do not let you post a message but after reading the comments about a credit card they are issuing, I found many disgruntled customers who are having the same problem, many of them up to XXXX weeks ago. 
Since I do not want to wait XXXX or more weeks to hear from them, I am lodging this complaint hoping you can do something. It almost seems like there is no one there. Is this a scam company? I am getting worried I have lost my money. This company seems to have good good reviews on the internet but how can they operate if they won't help a customer? I would like them to unfreeze my account so I can remove my money because I don't want to do business with a company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: CO

Complaint narrative:
I called and talked to a representative with XXXX XXXX XXXX and asked to settle my account, I offered {$500.00} and the lady said they could settle my account for {$570.00}. I paid the {$570.00} on the phone call and was reassured it would be settled and removed from my credit. I recently checked and the payment I paid only took off the balance and the account is still on my report ... not removed as agreed In my phone call on XX/XX/XXXX. Ive called numerous times and have been given the run around each time or even hung up on, on XXXX of the calls before I was transferred the lady acknowledged that she seen the notes that I settled the account out to be removed from my credit and the next representative I spoke with briefly, was put on hold then hung up on. At this time I need the phone call recording to be pulled ( which they should have being they are a debt collector ) to verify the conversation held on XX/XX/XXXX and I need this collection item removed from my credit as promised when I paid the agreed settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH

Complaint narrative:
1 : ) Nissan-Infiniti LT Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX and XXXX  has stated this multiple of times : That the data furnisher says that Nissan-Infiniti LT 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

Nissan told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX 's, Nissan 's and XXXX 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Good morning, I am writing this letter regarding my former car, a XXXX XXXXXXXX XXXX XXXX I received a ton of calls and emails advertising a trade-in of my current lease for a new vehicle/lease. I followed up with a salesman and informed him that I went over my allocated miles and the vehicle was in an accident. He informed me that the dealership would take care of it. Because I was obtaining a new lease at a new monthly payment, the accident and the excessive mileage of the old lease would come out to the same. After I traded in the lease and acquire the new car, I was called by Acura Financial months later and was informed that I was liable for the excessive mileage and the payment was past due. I tried to inform Acura Financial that XXXX XXXX was taking care of the mileage, but they said they have nothing on record of this agreement. Because I could not let this affect my credit, I agreed to pay in installment to find out what happened with the dealership. I tried to contact the dealership multiple times until I ultimately contact the New York State Department of Financial Services and the New York State Attorney General office. The only solution was to provide a discount. I can not afford to let this affect my credit. I work for the Department of Justice and this could jeopardize my career. 

I would like to ask XXXX XXXX to pay the remaining balance ( XXXX ). Please contact mebefore XX/XX/XXXX to confirm that my request will be honored. If I do not hear from you by then, I will report this incident to the appropriate agencies. Besides, I am a loyal customer of XXXX XXXX and have always spoken highly of the dealership and always recommended XXXX to all friends and coworkers and would like to be able to do so in the future. I truly thank you for reading this email. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NM

Complaint narrative:
I have sent letters to Discover Student Loans in XXXX and XXXX of 2020 detailing the ruling from XXXX 's accrediting agency the XXXX that XXXX has engaged in a pattern of " fraudulent communications '' with myself and my brother XXXX XXXX. All loans are in dispute. An attorney at the law firm we hired has been XXXX, with the NV bar stating that prosecutions are imminent. Discover has not responded to any of this information, and instead stated today via email that the loan will be charged off, and I will be having my credit score affected along with them seeking out collections against me. XXXX is acting criminally against state and federal law and as a low income college student I am being exploited with the laws of America being violated. Discover Student Loans needs to be audited and investigated for assisting XXXX in these crimes against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: UPGRADE, INC.
State: AZ

Complaint narrative:
Upgrade Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AZ

Complaint narrative:
XXXX Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AZ

Complaint narrative:
XXXX  Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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