vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I asked the credit reporting agencies to not share my consumer report unless expressly written by me. These companies used my credit report to send promotional offers, i did not apply for these and the inquires are hurting my credit report. I dont want these inquires reflecting on my report when i didnt apply for them. 
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 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 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 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 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

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against XXXX XXXX XXXX XXXX XXXX. 

To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXXXXXX XXXX XXXX I, as a credit consultant, sent a certified letter to XXXXXXXX XXXX General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX, which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, XXXX, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, XXXX failed to provide the necessary information as required under the FCRA. Furthermore, XXXX engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, XXXX inaccurately increased the reported debt by XXXX  dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on XXXXXXXX XXXX part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to XXXX, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that XXXX 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of XXXX. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter

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 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I requested my loan history from 1998. They provided a generic response, that only pertained to loan history after my latest consolidation. They were unable to provide complete loan history since 1998. There should be no mystery in how many payments I have made. 
aidadvantage Studentloan.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
I have recently reviewed my credit report and I noticed some things on my account. I have been living in my home for 15 years and I noticed an 2 apartments on my credit that I have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I can receive several phone calls a day. 

The employee states, " You are not liable for this debt, and it is not on your credit report. 
Making a payment will make you liable again. Would like to make a {$39.00} payment on this debt? '' I do not know who is actually is actually calling me. It is a different phone number every occasion. I use the XXXX XXXX XXXX to report the harassing phone calls, but they continue. The caller ID states, " Portfolio Recovery, '' but I doub that name means anything at all. 

I don't ever want called several times a day on Sunday for a debt I am no longer liable for. It is offensive to my religious dignity to receive these calls while I worship God. The synagogue of XXXX loves contacting me repeatedly on Sunday and do not engage in this activity any other day of the week in such harassing way. 

My number is on the State of Florida of which I am a resident, and the Federal Do Not Call List. 

There is nothing I can do but be a victim of these harassing phone calls while I commune with God.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Request of validation of 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 2023-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Foursight Holding LLC
State: MI

Complaint narrative:
They are reporting inaccurate information to the bureau which has affected my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Noticed my PepBoys account/ Synchrony Bank was closed the representative said it was closed due to my credit score. Which doesnt make sense because I always paid my account on time it is on auto pay through my bank. This in turn has had a negative effect on my credit score. I feel I was treated unfairly. Which has caused a negative outcome. I would fully understand the decision if my card was in default however that couldnt be further from the truth! Companies cant treat consumers in this manner without proper cause and my credit score doesnt have any bearings after being given credit with a company and as stated previously payments were on time and up to date. Nor did anyone explain these stipulations prior to credit approval. This is completely unacceptable and no consumer should be treated in this manner!

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 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Went to the Well Wells Fargo bank today to get {$50.00} out of the bank and then and they told me that my account was closed and that I had a XXXX balance and I asked him why I have XXXX balance in my account was closed they couldn't tell me they told me you're making an appointment with the banker and come back on Monday I asked him where my {$300.00} went and they said there was a debit for {$300.00} and I said there can't be because I didn't make no debit for {$300.00} there are not believing me and anyway so I called the XXXX number tonight and they said they were going to they put a a suspected takeover account form and on 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX  provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX  provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

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 2023-11-05 00:00:00
Product: Credit 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: MT

Complaint narrative:
I purchased an airline ticket for a convention I needed to be at in XXXX. There was an offer for a discount on the ticket if I applied for their credit card. I got the card and purchased the ticket, for a total charge on the card of {$2200.00}. I later lost the card that was sent to me and requested a new one. The customer service agent asked me about a balance transfer. I specifically stated that the only charge on the account was the airline ticket I had purchased, stating that should be the only charge on the account. The agent then filed a dispute, that I did not request, with the airline resulting in my ticket being cancelled, without my knowledge or consent. I was made aware of this only days before my scheduled trip when I received a notification that my credit card balance was now XXXX. I reached out to both the credit card and the airline, both of whom blamed the other party for the problem. I was forced to purchase another ticket, then change that flight, get a bit of a refund to the card from the airline and finally was rescheduled back to my original flight. The one I agreed to pay {$2200.00} for. Since then I have been trying to get this settled with the credit card company. I have paid nearly the total amount of the original {$2200.00} for my flight yet my balance is still almost {$4000.00}. For a {$2200.00} flight. I have spoken with multiple agents, over many months and it seems each time I do, my balance increases. This has been a very distressing situation. The credit card agent made the mistake and yet the credit card company is charging me three times the value of the ticket I purchased.

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 2023-11-05 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX XXXX XXXX Us Dept. Educatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-11-05 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Ive been disputing the inaccurate and Incomplete information for 10 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified. The order Agencies found the problem and deleted the accounts from my credit report. i need to know how trans union method of verification?

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Un-Authorized Inquiries XXXXXXXX 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

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Un-Authorized 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

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Identity Theft report XXXX XXXXXXXX is attached to this complaint with the following fraudulent accounts that must be removed from my Experian consumer report : XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct 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 explanation