vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Kriya Capital, LLC
State: TX

Complaint narrative:
This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX of Complaint listed as closed. 

Three total charges should have been reversed. AMEX reverser one of the unauthorized charges. 

On XXXX I initiated a follow up complaint. I do not see my second complaint open on my CFPB account.Therefore, I am herein resubmitting my XXXX complaint. 

Resubmission Dated XXXX of Unauthorized Charges in the amount of {$3100.00} and {$3900.00}. 



Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX IA XXXX https : XXXX XX/XX/XXXX RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card Representative : AMEX reversed a charge XXXX the amount of {$3900.00} charge Transaction Date of XX/XX/XXXX. This charge was reversed because of the lack of a valid electronic signature authorization. Thank you for your assistance. 

My question is why the other two charges not reversed. XXXX has not produced a valid electronic signature for any of the three charges ( {$3100.00}, {$3900.00} and {$3900.00} ). The charge in the amount of {$3100.00} and the charge in the amount of XXXX do not have valid electronic signature authorizations. XXXX has not provided an alleged authorization for either of the two remaining charges. Please see Complaint XXXX. 

I am filing my continuing complaint for a reversal of the {$3100.00} charge and a reversal of the second {$3900.00} charge which remain on my account plus credits for all interest charges, and any other fees or charges associated with the three unauthorized charges. 

Thank you for your cooperation. 

. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX Direct XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 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: CarMax, Inc.
State: AZ

Complaint narrative:
XX/XX/2021 I contacted CarMax and allowed them to run my credit as I was trying to buy a car and my credit I was trying to rebuild which I made vary clear to them, long story short, I was approved for a vehicle, when it came time to arrange delivery of the vehicle I told them I would pick up in XXXX, when I called to make arrangements a manager spoke to me and said when you get here I need you to sit at my desk and pull up your bank information in front of me so I can verify everything, I was blown away after I told him what I felt I backed out of the deal, it was clear they profiled me I know this because I have been to prison once for identity theft, which I paid my debt and never repeated, then they proceeded to run my credit over 52 times after I was approved, the CARMAX dealership in XXXX is where all those inquiries came from and I live in XXXX, I've spoken several times to CarMax customer relations I fully admit I did about 15 applications during that time looking but not the 72 times that has appeared and partially still appears on my credit report, I was at a XXXX rebuilding those and partially my efforts took me to XXXX I still need a car and this is delaying it I have my own business on the side and can't do it or get to my job, this the pandemic, the, XXXX XXXX dealerships, it's just like parole it's not set up to help a person who wants to succeed do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
On XX/XX/XXXX I spoke with Fed loan Servicing who told me that if I consolidated my loans, I would be given forgiveness based on paying said loan since XXXX. I consolidated from XXXX to them per their recommendation. I spoke to someone shortly there after regarding the increase of interest and now having to pay for another 10 years when I had only 4 left prior to consolidating and again I was reassured that my loans would be forgiven. On XX/XX/XXXX again I spoke with Fed loan servicing who now has told me my loans were not and will not be forgiven. I am now suck at a higher interest rate and my credit being pulled to consolidate due to lies. I would have stayed where I was if I would have had the correct information to begin with. Fed loan services lies to get your loans and then lies about forgiveness. I was told by 4 separate people at fed loan servicing that my loans would be forgiven, the last person said that I did not and would not qualify for 10 years. I would not have had 10 years if I did not consolidate based on lies. The last representative also would not let us speak with a manager

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I made a purchase of two first class tickets on XXXX XXXX on or around XX/XX/XXXX. XXXX  was unable to accommodate a pet in cabin on one of the flights. Cancelled the tickets within 1 hour of booking the flight for a full refund ( XXXX XXXX  ). Was instructed that refund would be processed 4-8 weeks after. ( Against USA law- funds must be refunded within 7 days. ) On or around XX/XX/XXXX, I filed a dispute with my bank at PNC. I have been in constant communication with the airline and my bank trying to locate my funds. On or around XX/XX/XXXX at about XXXX central, I spoke with a female voiced representative requesting expediting the my disputes due to fear that the airline was preparing to file for bankruptcy. The agent placed me on hold for several minutes and returned to the call saying that she spoke with the back office and the merchant agreed to release the funds. I would see the refund deposited into my account in about 2 days. Spoke with a representative XX/XX/XXXX and he told me that there are no notes regarding my conversation with the previous rep and that the cases are still open. Spoke with an escalated manager XX/XX/XXXX and called me without reviewing the phone conversation with their representative. Case assigned to a miss XXXX # XXXX. I would like my refund deposited to my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
On XX/XX/XXXX, Trans Union reported that I had a hard inquiry from XXXX XXXX, a company based in XXXX, Kentucky. I did not apply for any loan or credit card from this company. This is fraudulent activity and I need this to be removed 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 2022-01-20 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: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
The account with ACIMA Credit acct # XXXX was closed out for a settlement amount of XXXX dollars with this creditor. I was NEVER late on the account and due to settling the account, the creditor reported me late in XXXX & XXXX of 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On or about XX/XX/2022 I received several letters from local attorneys notifying me that Portfolio Recovery Associates LLC was going to sue me in court over a debt of {$6300.00}. I have never been contacted by Portfolio Recovery Associates LLC either by mail or by phone about this debt. I have no idea what this debt is as I have no unpaid debts of this amount. I have never been provided any proof of the validity of this debt. This is obviously a case of identity theft that Portfolio Recovery Associates LLC is a partner to. 

If Portfolio Recovery Associates LLC is claiming that this is a valid debt, I would like to see a copy of my application/agreement relating to this alleged debt clearly showing my legal and verifiable signature agreeing to the terms and accepting the agreement. I am confident that Portfolio Recovery Associates LLC will be unable to provide that or any other proof to me that this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have reached out to XXXX XXXX Several times in attempts to Inform them that this account is no mine. I didnt open an XXXX XXXX account. At the time it states that it was opened my credit wouldnt have allowed me to get a new credit card. 

Please have this account removed, it is hurting my credit substantially. I have disputed this several times with the credit bureaus and contacted the business as well to no avail. Also I have asked them to verify that this is me via Name, Phone number, ID etc and. Nothing. 

Please have this removed asap. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.I m disappointed! I dont know how to delete it from 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 explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
On XX/XX/2021, NC Financial at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) opened a personal loan in the amount of {$7000.00} to someone claiming to be me using my credentials to open the account. This was not me opening this account. I retained XXXX Identity theft protection and XXXX ( we ) to work for me and with me to resolve this matter. We contacted NC Financial about the fraud and confirmed the account was opened using my stolen identify. NC Financial fraud department explained that a police report or other documentation was required to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EXPERIAN Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}

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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a payment through our online bill pay. Suntrust ( Truist ) then proceeded to lock me out of our online access to all accounts, and I've been on hold for close to an hour now to get it unlocked.

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 2022-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/22 received 11 calls in 10 mins. On XX/XX/22 received another 18 calls in 3 mins. On XX/XX/22 received another bill of calls. I have screen shots of all the history. Have called ford to get them to stop and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: OR

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: OR

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent XXXX, XXXX, and BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. XXXX hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. 

Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ

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 2022-01-20 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
This company has reported this debt on my credit reports as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks

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 2022-01-20 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: TN

Complaint narrative:
This is my SECOND TIME REPORTING THIS ISSUE FROM EXPERIANXXXX XXXX XXXX XXXX. I KEEP GETTING DENIED CREDIT BECAUSE THIS AGENCY WILL NOT DELETE THE " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH, LACK OF RECENT REVOLVING ACCOUNT INFORMATION, LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION. '' MY BANKRUTCY WAS DISCHARGED OVER 2 YEARS AGO AND EACH TIME I APPLY FOR CREDIT, I'M DENIED AND IT'S ALWAYS EXPERIAN AGENCY THAT HAS THIS INFORMATION OF BAD CREDIT AND LOW CREDIT SCORES! THIS AGENCY WILL NOT ANSWER THE PHONES, THEY WILL NOT MAIL CREDIT REPORTS, AND THEY WILL NOT CORRECT MY CREDIT INFORMATION. I WANT TO SUE THEM AND THIS BOGUS FEDERAL AGENCY WHO WILL NOT ACT AND DISCIPLINE THIS BOGUS EXPERIAN AGENCY! I'M ASKING CONSUMER FINANCE TO HELP ME IN GETTING THIS INFORMATION CORRECTED ONCE AND FOR ALL! PLEASE REMOVE ALL OLD ADDRESS, NAMES AND PHONE NUMBERS FROM MY CREDIT REPORT, I WANT THIS CREDIT AGENCY TO CORRECT MY CREDIT REPORT OR I'M GOING TO GET AN ATTORNEY!

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