vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: NC

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-02-18 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: MD

Complaint narrative:
The following accounts on my Experian reports have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX XXXXXXXX : ) Experian lists the account as 30 days late in XXXX XXXX XXXX and XXXX indicate always paid current,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NC

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-02-18 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: NC

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-02-18 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: CT

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This company Equifax after requesting a investigation of the accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dont conduct the proper investigation and violating my rights and be negligent in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: OH

Complaint narrative:
Due to the 2017 Equifax data breach that i personally was affected by due to my credit and personal information being susceptible to identity theft hackers. This breach has affected my personal life in regards to acquiring credit to maintain and advance my living situation, employment issues and most importantly was housing issues as well. This breach has made my life extremely difficult. The cost of having to freeze and unfreeze my credit reports, the cost of credit monitoring services after this breach, dealing with the fraud and identity theft issues that has been documented through previous CFPB complaints with all 3 of the credit agencies. All these things have severely impacted my financial situation and made my life difficult due to Equifax negligence in securing consumers information. The cost of all of these things is almost incalculable, well beyond {$20000.00} this issue has impacted me in ways beyond money. I filed for the Equifax breach settlement and haven't received a settlement and punitive damages for something that i had no control over. This issue is solely in the hands of Equifax. The punitive damages is beyond and incalculable what the max amount of settlement Equifax is offering. The maximum settlement would hardly suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I had my vehicle totaled XX/XX/2020 and my car insurance through XXXX paid off my balance immediately. I have attempted to dispute this and told them to remove it because it was paid off. They refused to remove it. Also, I was NOT given a chance to dispute this debt before it suddenly appeared on my credit reports. I have had zero contact with them and received zero notice validating this debt and had a chance to dispute it before they decided to violate my rights and ruin my credit. I dont even know what this amount is for!!! I do not owe this money and this company violated my rights and the law. The information and dates are unknown to me as well! The dispute is NOT resolved like they made a comment on the collection. This company didnt even provide me with a debt validation or proof after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: IN

Complaint narrative:
In Indiana they only supposed to go back 7 years. But they went back all the way to XXXX and provided the company I applied for with all that information. I applied in XXXX. They should of only went back to XXXX. I've contacted them about this. And they wrote me a letter saying that the info was gathered from public records (??? ). Anyways I gave up hope untell I came across this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX was notified that my credit card was stolen out of my mailbox and that it was maxed out and it was not my fault so I did a dispute and the dispute showed that my credit card was stolen and maxed out due to fraudulent activity so therefore they even reimbursed me back the money that I paid on the payment because it was not my payment to make and that's why it shows that it wasn't current on XX/XX/XXXX and XX/XX/XXXX because it wasn't my payment to pay and the dispute came back as I was a victim of identity is theft and was not responsible for the payment XXXX indicated on my credit report as not current

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 2023-02-18 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: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER BANK is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX, I opened a Citibank XXXX account online by transferring funds ( $ XXXX ) from my XXXX XXXX XXXX account. I opened this account due to a promotional mailer received from Citibank, offering a higher rate and a {$400.00} bonus for $ XXXX in new funds payable within 90 days from account funding. 

On XX/XX/XXXX, I decided to transfer another $ XXXX between the same accounts ( from my XXXX XXXX Savings to my Citibank XXXX account opened XX/XX/XXXX ) ; when I went online to verify the transfer the next day, I saw that the $ XXXX was debited from my XXXX XXXX account, but my Citibank XXXX account no longer appeared on their Online Banking, it was missing completely ; so instead of seeing what should have been $ XXXX balance plus accrued interest, my account was nowhere to be seen. 

I called Citibank XX/XX/XXXX AM and, after being transferred several times, I was finally told that my Savings account was closed for fraudulent activity, that I would receive a letter explaining why in 10-14 days and that my funds would be mailed to me by check in 30-60 days! No reason was given when I asked repeatedly, and my request to speak to a supervisor was denied and never subsequently honored. 

I asked about the {$400.00} promotional bonus due to me by XX/XX/XXXX ( 90 days from account opening ), and the lost interest for the next XXXX days. I also asked why this transfer was deemed fraudulent when it mirrored identical the transfer made in funding the account back on XX/XX/XXXX ; no answers were given. 

I am partially retired and heavily dependent on these funds and interest earnings for my and my wife 's retirement, and Citibank did not even have the decency of confirming that they possess my missing $ XXXX transfer from XXXX XXXX. I have asked XXXX XXXX to investigate this matter, but in the meantime my Citibank XXXX account is not viewable or accessible to me due to alleged fraud, which I believe they have done to deny me the {$400.00} bonus and interest earnings, and the XX/XX/XXXX deposit entailed the exact same accounts as the XX/XX/XXXX initial account funding. 

Help me please! I am missing {$120000.00} that Citibank will not even confirm that it has, insisting that I wait XXXX to receive my funds my mailed check when I did nothing wrong whatsoever. Thank 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 2023-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXXXXXX I filed a complaint with NJ state XXXX XXXX XXXX. 
Credit Acceptance Corp in conjunction with XXXX XXXX XXXX has breached the financial contract. 
I was also over charged on a XXXX XXXX XXXX. 
My XXXX insurance payments were never documented.

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 2023-02-18 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: TX

Complaint narrative:
XXXX XXXX is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT 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 2023-02-18 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of Covid-19, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF EDXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 2023-02-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am under the impression that because I did not pay the whole {$9000.00} plus that the company wanted me to pay at the end of the full contract that my account was marked as not settled in full, however I did pay ALL the money that was initially given to me in full. The loan was paid off before the full term so of course I didn't pay what I would have paid if the loan was left open longer. How am I getting punished for interest that I didn't accumulate due to the contract closing sooner than later. Keep in mind this was all going on during the peak of Covid-19 with no income coming in which is why I applied for the loan in the first place. So basically the company is upset because they didn't make any money off of my loan. I paid EVERY dollar BORROWED BACK that was deposited into my account from One Main. You can't count interest for a loan that was not open for the full term which is what I discussed with their lawyer on the phone while mailing her my certified payment. I was promised otherwise and my credit report does not reflect what I was told. Please fix this because I am not accepting this from the company. I received a loan from the company in XXXX 2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more than they first gave me. I had disputed before and still no resolution from them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/13 contacted Bank of America at XXXX about identity theft. Someone opened an account in my name. Ive never been a Bank of America customer. Called and provided ssn and dob to verify that it was me. Talked to fraud department at XXXX told to hit option XXXX received a confirmation # that it was a claim being investigated into and account closed. 

Unsure if its normal practice to provide ssn and ssn to close account. This seems unusual to me.

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 2023-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I applied for the PSLF relief in XXXX and was told I would have an answer in 10 days. I went back to check and no change for months. Suddenly after XXXX it said application canceled due to duplicate. There was no duplicate info. When I call I get different answers. I dont understand why this has taken 7 months and we have gotten no where and the customer service reps cant give me consistent information. All forms have been submitted correctly and then they just deleted my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
This is in reference to XXXX. I've opted out of XXXX and requested information from Experian on where what the data source. I received a letter stating XXXX. Under FCRA, i have a right to the know the data source. The courts also sent a letter stating they don't not supply public records. There is multiple inaccuracy and thus needs to be deleted.

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