vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: CA

Complaint narrative:
A hard inquiry by XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, initiated by XXXX. 

A collection account opened by XXXX XXXXXXXX XXXX on XX/XX/XXXX, with an original amount owed of {$1200.00} from XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A collection account opened by XXXX XXXX on XX/XX/XXXX, with a balance of {$2400.00}, under account number XXXX XXXX. 

An installment account with XXXX XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a high credit of {$720.00}, under account number XXXX XXXX 

An installment account with XXXX, opened on XX/XX/XXXX, with a high credit of {$2500.00}, under account numbeXXXX XXXX XXXX 

An installment account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$15000.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2300.00}, under account number XXXX XXXX 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$180.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$460.00}, under account number 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 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: CA

Complaint narrative:
A process server entered my private property which clearly states no trespassing and cameras and recording are present. He presented himself as a USPS worker and placed a Priority Mail document on my door 25 yards from my locked gate with no trespassing sign. It was not address to me or any of my residences, there was no return address so I called the USPS and they stated that they were never paid to deliver nor was it delivered by them. So since it was was not US mail I opened the package only to see they are suing a XXXX XXXX XXXX. I attempted to look up some of the attorneys listed and one of them states they are not allowed to practice law in XXXX XXXXXXXX XXXX XXXX XXXX. I had to take my medical devices off because I thought it was a government agency the USPS only to find out they are deceiving me and it was not even for 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 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Thats not my signature nor did I fill out that form/// my name along with my information was forged. I will be taking further legal action against this company! I never heard of them until after I got my equipment. Because why would I agree to pay XXXX XXXX XXXX for the service aand pay another co separately for the equipment isnt that kinda of odd?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
on XX/XX/XXXX a fraudulent charge from XXXXXXXX XXXX in the sum of XXXX was made, The card never left my possession, first week or so into XXXX I noticed and I closed my card and called American express. a couple weeks later I get a letter saying my card was used in the terminal via chip however its simply impossible because I had the card. American express stated that the actual card was used via chip but simply not true. my son works in XXXX XXXX and tells me that chip fraud is possible and its not impossible, I was told by American express that the only way to take information out of a card was via the magnetic strip but a simple google search and having a son who deals with these kinds of situations from time to time in a new form of fraud called shimming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: CarMax, Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN IM A VICTIM OF IDENTITY THEFT SOMEONE HAS MADE PURCHASES USING MY PERSONAL INFORMATION AND ITS BEEN A ON GOING BATTLE FOR OVER 10 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN IM A VICTIM OF IDENTITY THEFT SOMEONE HAS MADE PURCHASES USING MY PERSONAL INFORMATION AND ITS BEEN A ON GOING BATTLE FOR OVER 10 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: AK

Complaint narrative:
XX/XX/XXXX paid a bill for a service i did not use. 
Received text of payment XX/XX/XXXX, received a bill stating it was not paid and an email stating it was not paid. 
I have attached my back transaction as proof of payment.

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 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Urgent : Discrepancy in Interest Charges Date : XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to you concerning a recent issue with my Capital One account. I was charged {$16.00} in interest, which was bewildering since I always pay the last statement balance to avoid any interest. I have done this for over XXXX years. After advocating for myself, Capital One refunded me the interest charge of {$16.00} on XX/XX/year>. They reported it will take XXXX business days to show up on my account. 

The reason for this letter is to illustrate XXXX problems. 

I paid off my last statement balance of {$1000.00}, but somehow it changed after the cycle date to {$1100.00}. This is the first problem. The second problem is that the {$16.00} was calculated from a fictitious balance of {$700.00} and not {$90.00} ( the difference between what I paid and the mysterious new payoff of {$1100.00} ). Using their own calculation XXXX XXXX XXXX XXXX XXXX XXXX XXXX per month or XXXX XXXX XXXX XXXX My actual published XXXX from Capital One is XXXX XXXX 

They literally calculated interest off a fictitious balance and changed my last statement balance to charge me {$16.00}. 

This is clearly unethical, if not illegal, under current XXXX regulations. 

Please correct this for the average consumer. There could be millions of consumers being swindled right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
Repeated requests to XXXX XXXX, Experian and XXXX to report correct balance on 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 2024-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Total Auto Finance
State: MD

Complaint narrative:
I purchased a vehicle during the pandemic. I did get behind on my payments and when I reached out to pay the balance or make a payment they refused to accept the payment as I still had the vehicle in my possession. I tried several times to make a transaction before repossession but the dealership wasnt interested in a payment they came two months later removed the vehicle. I reached out again to see if I could get the vehicle back and pay the balance and it was no resolution as the company argued. Unfortunately at that point I had no choice but to disregard any act to redeem the vehicle back in my possession. I notice once looked at my credit it was paid off and charge off at a totally different amount then previously financed initially. I have tried reaching out havent had much success. Hopefully you can help me reslove this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
I XXXX XXXX XXXX reviewed my credit report and found several accounts and addresses that are reporting in my account inaccurate. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this investigation within XXXX  days of receipt of this letter. Please send an updated of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX XXXX reviewed my credit report and found several accounts and addresses that are reporting in my account inaccurate. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this investigation within XXXX days of receipt of this letter. Please send an updated of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months

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 2024-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account Name : XXXX XXXX Account XXXX XXXXXXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this closed Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i XXXX XXXX ) ( A ) ( i ) & ( ii ), and 15 USC 1681e XXXX b ). 

Correction to my credit report, I demand this closed account 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 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Filing a formal complaint against Fair Collections and Outsourcing Inc. for placing an unauthorized collections account on my credit report. Recently, I received notifications from all three major credit bureaus indicating that this entity has reported a collections account under my name. I have never consented to any debt collection practices by this entity, nor have I entered into any agreement that would authorize them to report a debt on my behalf. In addition, not only did they give inaccurate information in reference to the address but the address given is for a state they are bonded to engage in debt collection activities or to report collections accounts to the credit bureaus. Their actions have caused me undue stress and XXXX coupled with damaging my credit standing ( XXXX XXXX ) This constitutes a clear violation of my consumer rights along with potential violations of state and federal regulations governing debt collection practices. Because of this, I will be seeking compensation in the form of monetary and non-monetary ( Removal of unauthorized reported collections account ) compensation and ask that the Consumer Financial Protection Bureau promptly investigate this matter. In closing, thank you for your time and effort to resolve this matter. 

Violations : SEE 15 usc 1681s - 2b, 1692g

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 2024-07-21 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never provided written consent for the furnishing of my personal information or for any third party to obtain my information for the purposes of credit reporting. 

Please investigate this matter promptly and remove any information from my credit report that was reported without my consent. I request that you provide me with a copy of the investigation results once completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had previously filed a dispute and complaint with both Experian ( complaint # XXXX ) and XXXX ( complaint # XXXX ) regarding unverifiable accounts that were on my report. I requested that they seek evidence that I received an initial communication from those debt collectors during their investigation and it came back verified. However when I spoke with the furnishers, they could NOT provide me with an of the requested documents thus proving they are violating the FDCPA and the FCRA. In addition, XXXX has deleted one of the accounts from my report ( XXXX XXXX ) as they could not verify the account. This leads me to believe that both XXXX and Experian did NOT conduct a proper investigation as required by section 611 of the FCRA which is a violation. See attached. I am demanding that these agencies promptly remove these items from my report. Failure will lead to further action.

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 2024-07-21 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: GA

Complaint narrative:
I check transunion credit report and noticed 2 fraudulent/unauthorized inquires one from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX I check XXXX credit report and noticed 28 fraudulent/unauthorized inquires from XXXX I didnt authorize none of the inquiries on my report I check XXXX credit report and noticed 5 fraudulent/unauthorized inquires one from XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-21 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I check XXXX credit report and noticed 2 fraudulent/unauthorized inquires one from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX I check Equifax credit report and noticed 28 fraudulent/unauthorized inquires from XXXX I didnt authorize none of the inquiries on my report I check XXXX credit report and noticed 5 fraudulent/unauthorized inquires one from XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: GA

Complaint narrative:
I check XXXX credit report and noticed 2 fraudulent/unauthorized inquires one from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX I check XXXX credit report and noticed 28 fraudulent/unauthorized inquires from XXXX I didnt authorize none of the inquiries on my report I check Experian credit report and noticed 5 fraudulent/unauthorized inquires one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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