vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Attempted to obtain a credit card through credit karma alleging pre approval. I was denied. Negative inquiry against my credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
FCRA VIOLATIONS WAS NEVER LATE XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$290000.00} XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Open. 
NOT MY XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX CT XXXX XXXX, FL XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typ NOT MY PHONE NUMBERS ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX NOT MT NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX CARD

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 2022-09-13 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: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/XXXX - purchase from XXXX for {$430.00} order number XXXX, placed on my Citi card ending in XXXX. Send for return using sellers XXXX - XX/XX/XXXX seller acknowledges XXXX has been scanned by shipping company for return. Refund 7-10 days. Contact seller when refund not processed. Seller suggests charge back via credit card. XX/XX/XXXX - initiate charge back with Citi. XX/XX/XXXX - citi summarily closes investigation. Refuses to state reason for closure, provides documentation PROVING the seller has access to XXXX and tracking for returns and can show the seller has the merchandise and my money citi states they Advocate but have NO mandate to actually investigate the disputed transaction via the FCBA law. Seriously, the seller provided docs to Citi that show they owe the money. Citi states if they receive ANY response from the seller, even if it proves the buyer is right, citi just gives the money back to the seller assuming the documentation proves it. Then the buyer has to re-submit the sellers own documentation PROVING they are owed the money back. States I can provide additional detail, but refuse to state reason seller states they DONT owe me money so I don't know what else they need because the seller never said they don't owe money. Just provided 14 pages of documentation PROVING they do owe the money! It's the craziest thing I have ever seen.

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 monetary relief
Consumer complaint received 2022-09-13 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: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX  - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - XXXX did not authorize this inquiry. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: TN

Complaint narrative:
On Saturday XX/XX/XXXX I called Ed financial to get a refund on the payments that were made since XXXX of XXXX. I spoke with a customer service representative and did not have a problem processing my request. I was told there was no email notification for my request and the process could take up to 6 months? I am not sure why the process is taking so long, and there is no type of communication for the request process. A few days later I had emailed Ed Financial to get an update on my request to ensure it was being processed and I still have not heard anything back. The communication has been very poor, and there is no system in place to track the progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX I emailed Aidvantage to request a refund for payments I made XX/XX/20 through XX/XX/20 as allowed under the CARES act. 

XXXX After not hearing back, I called to an Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen by XXXX. 

XXXX After receiving no notification on status/update I called again and I was told my request had a new target date of updating by XXXX. I received no status update. 

XXXXContacted Aidvantage again when no notification/or update had been made through the companys customer support chat. I Was told my request had already been approved and I would now see an update in 2-10 business days from XX/XX/XXXX. This information conflicts all previous information I was given from Aidvantage over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-13 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-13 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XX/XX/2021 - purchased XXXX XXXX XXXX in XXXX XXXXXXXX XXXX ITEM # : XXXX and additional insurance for {$1700.00}, as a XXXX gift for my wife. Due to delivery issues we were informed the item would not be delivered until XXXX, which caused me to call in and cancel the order. We were advised to refuse delivery and return to sender. We are still yet to get a credit back to our credit card even after receiving and forwarding the confirmation email of acknowledgment of the return being received after sending numerous dispute letters back to the company. We are being told every time we call that a refund was generated on the last date we called and to check back in 5 business days. SAME STORY EVERY TIME!!!!! We have been making minimal payments for 8 months now for a bike that we have never even seen!!!

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 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: GA

Complaint narrative:
I received a notification, Friday XX/XX/2022 from XXXX that a new collections account was added to my profile. The collections account is from a debt buying company I've never heard of, nor have I done any business with. The company is called : Company Name : Stafford Group & Associates Phone number : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX and Fax # XXXX Website : staffordga.com Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX I called the company immediately, after speaking with an XXXX representative ; there was no answer. On Monday, XX/XX/2022, I received a message from someone at Stafford Group & Associates by the name XXXX XXXX I returned the phone call, and things went downhill. The rep from Stafford Grp & Assoc was very rude, mean, and condescending. I asked to speak to someone above him and he would not transfer me to anyone. I then told him that what they were doing is complete fraud, and his response was " prove 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 2022-09-13 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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
I KNOW NOTIHING OF THIS COMPANY NEVER HAD AN AGREEMENT OR CONTRACT WITH THIS COMPANY NO VALIDATION INFORMATION ABOUT THIS DEBT VIA EMAIL OR USPS AGAIN I OWE THIS COMPANY NOTHING BECAUSE I NEVER SIGNED ANY CONTRACT OR AGREEMENT WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it 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 2022-09-13 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:
-The original conversation with Transunion was initiated to remove an inaccurate inquiry on my credit report. 

-Transunion stated I was to contact the company ( XXXXXXXX XXXX XXXX XXXX reached out to XXXXXXXX XXXX and advised them of the concern and inaccuracy, mistaken or fraudulent inquiry of my credit account. 

-After a 23-minute call to them, reaching a live person and giving my full name and the last 4 of my SSN. I was advised that I don't have an acct with them nor do they have any inquiries pertaining to my information provided. 

- XXXX XXXX  advised me to contact Transunion again to dispute and challenge the inaccurate information. 

-Additional call to TransUnion was conducted and I was advised the second time after exspressing my prior conversation with XXXXXXXX XXXX with them, to call CFPB to file a complaint. 

-now I'm filing a complaint and would appreciate the removal of the inaccurate inquiry of my credit report. on XX/XX/2022. 

Best, 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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, XXXX, & Transunion failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.

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 2022-09-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equifax, & XXXX failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. They are being represented as the debt buyer on my credit report and they are not the original creditor. Because of this, this agency can not assign me a monthly due date, nor report the balance as past due if we do not have a contracted agreement. In addition, the date last active is inaccurate and the date last reported is inaccurate. 

15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose. 
15 USC 1692D ( 4 ) The advertisement for sale of any debt to coerce payment of the debt is a violation. 

In addition, New York has placed a statue of limitations law under the Consumer Credit Fairness Act of three years. I am also not liable for this debt with XXXX XXXX and do not have a contract with them. XXXX XXXX did not provide me with the original application like I asked. Also, the name who the debt belong to is not my name.

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