vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I am writing to resolve a bona fide dispute which is ongoing since XX/XX/XXXX. After requesting the original instrument of indebtedness in its original form, I received no confirmation that the as of yet unnamed real party in interest is in possession of the original instrument or that it even still exists. Neither the holder in due course, nor possessor in due course with rights to enforce the instrument, has been brought forth or otherwise identified, making it impossible for me to have informed use of my credit in the supposed consumer credit transaction ( s ). 

In my good faith attempts to settle all controversy at arm 's length and without judicial intervention, I tendered an instrument with ample notice of my intentions to discharge the alleged obligations. 

The purported servicer accepted my money order of {$100.00} from XX/XX/XXXX, with a restrictive endorsement stating " Negotiation of the instrument signifies satisfaction of all claims. '' The purported servicer reported {$100.00} of payment for the alleged loans and failed to send me notification of the satisfaction of all claims with the removal of all items of information furnished by them from my credit reports. 

On XX/XX/XXXX, I received an email from Aidvantage claiming that I owe the payment amount of {$590.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: PA

Complaint narrative:
The companies listed in this complaint are indeed financial institutions defined under Federal LAW which they should know.

Title 15 USC 6802 6803, 6804 The Gramm-Leach -Billey Act ( GLBA ).

Congress wrote into LAW Financial Institutions MUST provide federally protected consumers like myself a NOTICE giving me the right to OPT -OUT of credit reporting and they DID NOT. 

The Law also states that they can not transport My non public personal information without my CONSENT/ PERMISSION! And if they do then this is ID Theft!!!!! 

Additionally, these XXXX companies continue to illegally VERIFY with your consumer reporting agency when my dispute is based Solely upon information that they are illegally reporting when Federal Law says they must provide NOTICE before reporting my PRIVATE information. 

How can these companies report then ILLEGALLY verify information that shuld not be reporting on my consumer reports in the first place? 

Delete these accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX - # XXXX XXXX XXXX  - # XXXXXXXX XXXX XXXX- # XXXX XXXX XXXX - # XXXXXXXX XXXX XXXX - # XXXX I never did business or signed any contracts, notices. They have NO right to report my NON PUBLIC PERSONAL INFORMATION.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
Last XXXX ( 2022 ) I traveled to XXXX, and prior to traveling applied for and received an American Express Delta Skymiles card. The offer came with and offer of XXXX miles after purchases over a period of time. I actually canceled the card 29 days after opening the account and never received the bonus miles. 

In the next several months, I continued to receive mail from AMEX offering the XXXX miles deal. In late XX/XX/2022 I decided to re-apply, and after spending the required amount within the time period, I did not see the XXXX miles added to my Delta account. 

When I called AMEX about this, they stated that the XXXX bonus miles are a once in a lifetime offer. 

It seemed very disingenuous of AMEX to continue to send me offers for the card when, in fact, I did not qualify for the offer. 

Reading through the very fine print of the offer online ( now reduced to XXXX miles ), clearly this information is buried and not immediately visible. There is a very small font " Offer and Benefit Terms '' shown just above the 'Apply Now ' button. Here is the language in that link : " You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' The part that is concerning to me is the fact that the final line, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' was not done, as I received no notification of this fact prior to receiving account approval.

The company was at fault for not notifying me that I was not eligible for the offer, so I applied in good faith. After numerous phone calls and letters, AMEX refuses to honor my request to reinstate the XXXX miles I earned, and would not acknowledge the fact that they failed to contact me about not being eligible for their special offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TN

Complaint narrative:
XXXX XXXX XXXXXXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and 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 2023-08-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: NV

Complaint narrative:
XX/XX/XXXX sent cashiers check to the bank in the amount of {$1400.00} to pay the balance off. The balance later showed a zero balance. On XX/XX/XXXX I received an email stating I owed this amount. XX/XX/XXXX I then submitted a payment disbute and faxed proof of the cashed check as the company 's name was on the bottom of the check showing it was processed. XX/XX/XXXX I received a notice stating that the credit amount of {$28.00} was applied to my account. XX/XX/XXXX I received another notice stating a credit of {$1400.00} was applied to my account dated XX/XX/XXXX. XX/XX/XXXX received another notice stating their records indicate that the payment in question was applied to my account on XX/XX/XXXX in the amount of {$1400.00} as of XX/XX/XXXX the balance is $ XXXX I received a notice stating the payment in the amount of {$1400.00} was applied to my account of XX/XX/XXXX. I have now received an email stating the balance I owe is {$1400.00} with the monthly payment due of {$41.00} on XX/XX/XXXX. This balance was paid in full and this needs to be credited to my 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 2023-08-23 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: MN

Complaint narrative:
SEE ATTACHED LETTERS In accordance with the Fair Credit Reporting Act the following reporting Agencies : XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX have violated my rights. 

15 U.S.C. 1681 Section 602a States : ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 15 U.S.C. 1681 Section 602a ( 4 ). There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

15 U.S. Code 1681b 604- Permissible purposes of consumer reports.

15 U.S. Code 1681b 604 ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Pertaining to the word Accuracy : the information being providing is inaccurate. 

Fairness and consumers right to privacy : XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX are a For Profit Organization/Corporation/Agency that is providing private and inaccurate information that is tarnishing my reputation and is costing me opportunities. 

I did not give XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX or its affiliates written instructions to furnish private information. 

Both together and separately my consumer and privacy rights are being violated.

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 2023-08-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FourLeaf Federal Credit Union
State: PA

Complaint narrative:
On XX/XX/2023, BethPage ran a hard inquiry on my credit report with XXXX. Prior to applying for an account, I called and was told that it would be a soft inquiry

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 2023-08-22 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023 at XXXX. I received a text from Truist asking if I attempted to make a purchase from " XXXX XXXXf XXXX ''. I called the customer service number and told the representative I did not attempt to purchase anything with that card as I hadn't used it since XXXX and it sits in my drawer. 

The representative then informed me there were other purchases made with this card including an airline ticket for over {$1800.00}. Which I informed them that I definitely did not make nor authorize. I was told everything would be investigated and I could be sure these items would be taken care of since I didn't authorize them. 

I received a letter from Truist a few days later dated XX/XX/2023 stating these charges would be removed from my credit account balance. When I checked a few days later all charges were removed except the airline ticket ( XXXX ). When I called to inquire about this I would told it was still being investigated. 

I went into a local branch on XX/XX/2023 XXXX XXXX, Senior Representative for the branch. I informed her of what was going on and she attempted to assist with the issue. Our first contact was with XXXX XXXX who stated the investigation was conducted and approved. I should see a refund of the {$1800.00}. When asked when she said she didn't know and transferred us to another representative XXXX XXXX XXXX ) who said it was not approved and I would be responsible for the charges. When asked why he said he didn't know. 

XXXX asked that we be transferred to escalte this issue and XXXX XXXXan said it would definitely be escalated and I would hear from someone soon. It has been over a month and a half and I still can not get resolution to this issue. No one has answers and I told them this is effecting my credit score. 

Any assistance that could be given to help with this situation would be greatly appreciated.

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 2023-08-22 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency Equifax. It has come to my attention that my credit file has errors and I have contacted Equifax through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. Equifax sent me a letter stating that the information I disputed was verified. Equifax has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: WA

Complaint narrative:
I contacted XXXX XXXX  in XX/XX/2022 to check to see if they could fill my propane tank, as I moved into my house in XX/XX/2022 and it was empty just before XXXX day. They took all of my information and said someone would call me to setup a call but it may not be for a few weeks. I let them know I needed service within 1-2 days and they said someone would call me with emergency service departments. 

In the meantime, I found another company, XXXX XXXX who was able to come out the same evening as my call and filled my propane tank. 

A few months later, I began receiving calls and bills for propane service. I let them know we already had another company come out months before. I spoke to multiple supervisors and asked them to take me off their list. Then, I received this collection notice for a very high amount. My propane tank is XXXX gallons which is about {$700.00} to fill, no where near {$3700.00} despite the fact XXXX XXXX has never stepped foot on my property nor been engaged or contracted to fill. 

I believe they used my information gathered on the XX/XX/2022 call to create a fraudulent account. 

Propane was filled XX/XX/2022 by this vendor, who can be reached to confirm service : XXXX  XXXX XXXX ( Owner ) : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Website : XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation