vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-26 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: CarMax, Inc.
State: NC

Complaint narrative:
This complaint pertains to Carmax and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, Carmax, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to Carmax and the CRAs ( XXXX, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to Carmax and the CRAs for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
( 1 ) I am currently employed by a qualifying employer. I am part of PSLF program and submitted an application in XXXX for forgiveness. I am missing payment periods from three periods of time : XXXX through XXXX, XXXX through XXXX, and XXXX through XXXX. I have contacted the servicer multiple times via phone and mail pertaining to the missing periods with an inadequate explanation. The periods are not showing as eligible neither non-eligible. I wish to get the periods considered for eligibility. 

( 2 ) Before my loans were transferred and during the Covid pause, I obtained an IDR with a repayment amount of {$87.00} monthly. I have contacted the servicer numerous times to ensure the correct repayment is showing. I have provided the servicer with my current IDR that is not due for recertification until XX/XX/XXXX. The servicer increased my payments to {$140.00} incorrectly. My payments should remain at the rate of my approved IDR in the amount of {$87.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens Bank will not allow me to access my accounts, either through their web site or through their app. I have NO ACCESS AT ALL to my money. Their systems only ever respond " this account is inaccessible/'unavailable ''. I am unable to login or perform any management of my accounts. THIS NOT A PASSWORD PROBLEM. It is NOT a technical problem on my end. I have been a XXXX XXXX for 30 years, and I know what I'm doing. I have spent hours and hours on the phone with their technical support. I have tried EVERY POSSIBLE WAY to make sure the problem is not on my end. Their support people have freely admitted that this is a well-known problem that is affecting many of their customers. They claim it is due to " updates '' they are doing to their systems, but refuse to give even a rough estimate of when the problem will be fixed. This has been happening for MONTHS. They are breaching their contract with me. This is critically affecting my finances, especially since one of the accounts is a large loan which I desperately need access to. I have worked endlessly with them to get this resolved, but they haven't, and show no signs of caring about the issue. Please do whatever yiu can to resolve this. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: CT

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-27 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: MS

Complaint narrative:
I BEEN CONTACTING TRANSUNION AND XXXX ABOUT THESE FRAUD ACCOUNTS FOR 5 MONTHS. I SENT IN POLICE REPORT AND FTC REPORT AND THEY STILL DIDNT REMOVE THESE ACCOUNTS. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX XXXX  ( 5 ) XXXX XXXX ( 6 ) XXXX XXXX ( 7 ) XXXX XXXX XXXX ( 8 ) 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 2023-07-26 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-26 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: CT

Complaint narrative:
I have no affiliation with these creditors and I did not make this 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 non-monetary relief
Consumer complaint received 2023-07-26 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:
I did not initiate these Accounts and I believe they are fraudulent.

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 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Impersonated a lawyer, threatened my personal property, threatened my co-workers with a police officer. Was told to stop calling and continues to call and very aggressive and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have received several inquires from Bank of America without my authorization. 
They have open accounts on my behalf which I never request. I contacted the bank on XX/XX/XXXX after receiving a credit card on the mail that I never request, for this they did a credit inquiry on XX/XX/XXXX. After this incident I check my credit report and they have been unauthorized inquiries from bank of American since XXXX. I have never request nothing from this bank I am not even a costumer. Today XX/XX/XXXX again my bank notify me that on XX/XX/XXXX there was another inquiry on my credit from Bank of American, again this was not me. I contacted the bank again and they told me I am probably a victim of identity theft. I told them I have only received unauthorized inquiries from their bank and no one else. Please help

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I AM TRYING TO IMPROVE MY CREDIT SCORE AND RATING BUT WITH A CREDITOR DOESNT RESPONSE OR YOU CALL ON THE PHONE AND INJUIRY ABOUT AND ISSUE REGARDING WRONG INFORMATION ON YOUR CREDIT REPORT AND YOU GET THE RUN AROUND OR YOU REACH OUT TO THE CREDIT REPORTING AGENCY LIKE XXXX AND THEY STATE THAT I WOULD NEED TO REPORT ANY ISSUE I HAVE TO TH REPORTING AGENCY THAT IS A PROBLEM. I HAVE 2 CITI CREDIT CARDS ONE WITH CITI SIMPLICITY AND THE OTHER WITHCITI DOUBLE CARD. XXXX IS KNOWN FOR NOT UPDATING CREDIT REPORT ACCURATLY OR THERE IS A DELAY WITH THEY UPDATE THE CREDIT REPORT. I HAD A BALANCE ON MY CITI DOUBLE ACCOUNT WHICH WAS {$1000.00} WHICH THE CREDIT UTILIZATION WAS XXXX PERCENT WHICH MADE MY XXXX XXXX LOW I PAYED THE BALANCE OFF ON XX/XX/2023 SO THEY CAN REPORT THE ACCOUNT WAS PAYED IN FULL WITH THEY SEND UPDATE TO XXXX BY XX/XX/XXXX WHICH THEY HAVE NOT DONE AS XX/XX/2023 ON MY OTHER CREDIT REPORTS XXXX XXXX AND XXXX IT SHOWS THE ACCOUNT WAS UPDATED CORRECTLY IT NOW 6 DAYS PASS SO WHAT GOING ON LIKE I SAY XXXX IS KNOWN OF NOT UPDATE ONE CREDIT REPORT ON A TIME LESS BASIC WHICH IN FACT MADE CITI DOUBLE CARD TAKE AWAY MY CREDIT CARD CASH BALANCE WHICH I HAD A XXXX CREDIT LIMIT NOW IS DOWN TO XXXX LIMIT AT THAT TIME I PURCHASE A NEW CAR BUT MY OTHER CAR WAS NOT UPDATED ON XXXX CREDIT REPORT CORRECTLY AND IT SHOW THAT I OWE TOO MUCH. LIKE I SAY XXXX DOESNT ALWAYS UPDATED THE CREDIT REPORT ON A TIME LESS SCHUDULE AND ALSO AT THAT TIME I HAD A CREDIT MONITOR SERVICE WITH XXXX AND I USE MY CITI CREDIT CARD TO SIGN UP BUT LIKE BEFORE THEY DIDNT HAVE MY CORRECT ADDRESS ON FILE WITH BOTH OF MY CITI CREDIT CARD WHICH I DID UPDATE ON THE CITI WEB SITE AND I CALLED IN TO VEFY WITH A REP ON THE PHONE WHICH IN TURN XXXX XXXXEP CHARGE MY CITI CARD 6 TIME FOR SIGN UP ON XXXX WHICH IT DIDNT GO THROUGH BECAUSE OF WRONG ADDRESS ON THERE WEB SITE THAT WHEN CITI LOOKED AT XXXX CREDIT FILE AND REVERSE MY CREDIT CASH LIMIT TO XXXX ON BOTH ACCOUNTS MY CITI XXXX CARD AND MY CITI SIMPLICITY TO XXXX ON MY CITI SIMPLICITY CREDIT CARD MY BALANCE ON THAT CARD WAS XXXX AND I PAYED THAT OFF ON XX/XX/2023 THEY SHOULD OF REPORTED THAT A XXXX BALANCE ON MY XXXX CREDIT REPORT ON XX/XX/2023 WHICH IT SHOWS A XXXX BALANCE ON MY XXXX AND MY XXXX UION CREDIT REPORT. I

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mediation Recovery Center
State: WA

Complaint narrative:
I received a letter from Mediation Recovery Center stating that I owed a debt of {$4300.00} but they would give me a discount to {$3500.00} if I paid today. I always pay all my bills and have a good credit score XXXX. I called and the person answered the phone and immediately started telling me about a bill I owed. He did not ask me any identification questions. He started threatening me that they have a very large file on our case and stated we owed this money for durable medical equipment provided at the time of a XXXX my husband had in 2018. He stated he had EOB 's from the insurance, signed contract to pay from my husband, etc. I am a XXXX XXXX  and I know that my husband did not have or require the durable medical equipment that he was talking about. I also have never received a bill or any prior communication about this. I was suspecting a scam. I asked him to send me the EOB and signed paperwork from my husband. I then stupidly did provide him with my email address. He did send me a letter supposedly from this durable medical equipment company, but was something that he could have typed up, he did not send EOB 's or a signed contract from my husband. I told him I thought this was a scam and he became very threatening to me, stating that he would just push it through to ruin my credit report if I did not want to pay today. I hung up on him. I then XXXX  the company and it looks like others have had this experience and it is a scam. I did not give these people money but I am reporting them hoping to put a stop to them scamming other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to XXXX XXXX to close my account permanently. XXXX XXXX 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with XXXX XXXX, XXXX and Synchrony Bank have said they have no record of the check. However my bank has confirmed the check was received and deposited. 
I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I requested my JCPenney card statements from the last two years several times, this was done for legal purposes. I was told that I will receive them in 14 days. I never received my statements and I requested them again. I spoke to a manager from synchrony bank on a recorded line who stated that I would receive them but I still have not received any of them. I requested the same for the third time asking the company for an expedited delivery because I need them ASAP for legal purposes and they want me to wait 19 more days. That is imposible and it will affect 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 non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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