vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: NV

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. Capital One Auto Finance XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX >> XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM financial XXXX XXXX XXXX GM Financial XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: MD

Complaint narrative:
I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX XXXX. I paid off my last {$100.00} balance on or around the XXXXXXXX XXXX XXXXXXXX. On or about the XXXXXXXX XXXX XXXXXXXX I am notified that a collection account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to collections if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!

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 2023-12-01 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. 

TRUIST - XX/XX/

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I received the monthly statement in the mail from my XXXX company which was informing me of new and increased APRs applicable to my account. In the general section i noticed a new line for a {$50.00} charge for an annual fee. I have held this XXXX account for more than a decade at this point and never had an annual fee associated with it. The no annual fee feature of the XXXX is why i opened the account in the first place. Upon calling the customer service line, the rep who picked up tried to convince me that this annual fee had been applied to my account since the account was opened, more than a decade ago. I disouted this claim and asked for the entire annual statement for the full prior calendar year to verify expenses. Upon pulling up the information, the rep adimited the fee had no been charged the prior year. At this point i asked to be transfered to a supervizor. After a hold, the rep returned to the line and offered to change my XXXX  to a different type of XXXX which does not incur an annual fee. I declined. He offered to close my account. I declined. I was then transferred to the supervisor. The supervisor told me there is nothing he can do. After pressing him, he offered to apply a {$50.00} credit my account ( same amount as the annual fee i had been charged ) and advised me to call back during the next billing cycle to switch to a differnt account type which does not incur an annual fee. I still wanted to know when/why/how i started incurring an annual fee. He explained that my account type was discontinued and i was automatically switched to this account type and that i was informed via mail when i received my current card, several months ago. This is false. I never received a new card on this account. I have a recurring, monthly charge on this account and i did not have to update it in years. Also, the current XXXX  in my possesion has an expiration date within the next 18 months. This service rep is trying to convince me they sent me a XXXX with a 2 year expiration date??!! They are blatantly lying. In addition i do not recall receiving infomation pertaining to these changes in the mail. My consent regarding these changes was never requested or granted. I requested a copy of the original mail package sent to me and i have not received it yet.

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 2023-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The entire current balance on my Synchrony CareCredit credit card consists of several deferred interest/ no interest promotional purchases, none of which are presently subject to interest charges. I have made no " regular '' transactions on account upon which interest would accrue. However my XXXX and XXXX statements each reflected spurious interest charges in the amounts {$5.00} and {$5.00}, respectively. On XX/XX/2023 I notified Synchrony of the billing error on this account via an initial mailed dispute letter ( copy attached ). On XX/XX/2023 I recevied a response letter from Synchrony apologizing for the errors and noting that the account was corrected ( copy attached ). My XXXX statement then reflected refund credits for the first and second interest charges in the amounts- {$5.00} and- {$5.00}. However, that statement also reflected another ( third ) interest charge in the amount {$5.00}. Additionally, my XXXX statement reflects a fourth interest charge in the amount {$5.00}. Again, none of these interest charges are valid because there are no transactions on account currently that are subject to interest.

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 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Company called CCS began calling me in XX/XX/XXXX Spoke with someone on XXXX at XXXX asking them to stop calling me. Calls have not stopped and the people calling have been threatening and using profanity. My phone records show that over XXXX dozen phone calls from them with each time that I do answer I ask them to stop calling my number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This XXXX account was on my report through XXXX XXXX for over XXXX years in which they were unable to provide me with verification and proof that this debt belonged to me after many attempts over XXXX  years. They have sold the debt which is not proof is mine to trans world XXXX which started reporting to XXXX XX/XX/23. Transworld had not attempted to contact me, did not send me any information in an attempt to verify this unlawful debt at anytime. This is not my debt, and they are outside the statute of limitations to report this to on my credit report and it needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report I found that the charge off account that I paid off in full with XXXX XXXX XXXX was still on my credit report with inaccuracy data furnishing.I had ask for a letter of deletion over the past period in which the creditor agreed to mail me and update the current account status up on paid in full.The item is still reporting inaccurately on my credit report an is hurting my ability to apply for a mortgage for 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 2023-12-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX dba Attorney at Glasser and Glasser P.L.C. has been alerted that they were interfering with a billing dispute with XXXX XXXX XXXX XXXX. All correspondence has been ignored. No contract exists between XXXX and XXXX XXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from XXXX XXXX XXXX XXXX. They were also informed that they are interfering in a XXXX matter. 
A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via XXXX mail. 
XXXX XXXX XXXX XXXX and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just XXXX months after my closing for making false statements to Federal agents for real estate matters. XXXX months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. 
Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. have notified to Cease and Desist collection efforts. 
XXXX XXXX XXXX XXXX XXXX dba Chief XXXX XXXX, XXXX XXXX XXXX Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
citizens bank said they were going to deposit my bonus by XX/XX/23 but it did not show in my account nor was it pending and i am not the first they have not given the promised bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have not been able to access my credit report via Equifax. I have requested several times that my credit report to be unlocked however it still shows to other consumer companies that they can not access my credit report and that it is frozen. I have sent the ID documents requested by Equifax to verify my identity and update my information, however it is still not been resolved. I have contacted Equifax via mail as well a phone contact. I have paid {$4.00} for a monitoring program and was over charged 3 additional times for the service and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I made a payment through the Navy Federal Credit Union ( NFCU ) XXXX  app using an ACH transfer. Initially, the payment was displayed in the app, but it disappeared the next day, which was unlike my previous experiences. Thinking I hadn't completed the payment, I made it again. Shortly after, I realized the first payment had been processed, but I couldn't cancel the second one due to repeated app errors. The next morning, both payments were posted to my account. I contacted NFCU to reverse the duplicate payment because of the app 's failure to provide updated information. I had closed my checking account with NFCU nearly a year ago due to suspected predatory practices. NFCU responded that I need to reopen a checking account to process the reversal. I believe this situation highlights unfair practices and request an investigation into NFCU 's operations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem to Equifax Credit Information Services LLC to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Equifax. 
The unauthorized account in question is included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with this account. In light of the seriousness of this matter, I kindly request that Equifax initiate an immediate deletion into this fraudulent account. It is crucial to ensure that the inaccuracy resulting from this identity theft is promptly removed from my credit report. 

The account in question is : XXXX XXXX XXXX  XXXX -- XXXX Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 

2. A copy of the FTC Affidavit detailing the identity theft incident. 

I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX TransUnion : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX  XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX  Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : XXXX Updated Balance : 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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX  XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX  Updated Balance : XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX  Status : Paid/closed ( XX/XX/XXXX ) Equifax : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, Experian : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX  Updated Balance : XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : 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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates has not responded to the Affidavit of Truth that I mailed off to them on XX/XX/. An affidavit stands as truth in commerce when unrebutted. PRA will not even acknowledge that I sent one to them in which I know they won't attempt to answer it because they will be liable if they did in fact lie. This will be used against them if I have to take legal action against them. I have provided proof with receipts that I will attach. PRA is not even licensed to collect in Tennessee. I never did business with any business in XXXX Virginia. I never signed any contractual agreement with Portfolio Recovery Associates. They have no business using my name as a natural living breathing person. This debt does not belong to me. Portfolio Recovery Associates made a false statement saying they have no record of a request from me prior to their initial communication. I have receipts and proof that the statement they made is a false one. Portfolio Recovery Associates did not answer the questions within my Debt Validation Letter that I drafted and sent to them on XX/XX/. They received that letter on XX/XX/. They sent me statements AFTER I filed with the CFPB instead as if that response justifies them collecting the debt. Portfolio Recovery Associates is required as part of the debt validation period to cease all collection activities for 30 days. That includes removing the alleged account off of my credit reports while they are validating the alleged debt because it reflects that they are still collecting the debt in question in collections. They did not cease all collection activity. PRA has violated the Fair Debt Collection Practices Act. I have proof that the account was still posted even during the validation period.

Company response to consumer: Closed with explanation