vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
The following companies did not have my permission to run my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK 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 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
On XX/XX/XXXX I discovered there had been fraudulent charges using my prior employers medical insurance that was still open in my name. On XX/XX/XXXX I filed a police report. Each of the entities involved has been contacted and provided with a police report and I have gone through the process of disputing each item on my credit reports. 

Even now, XX/XX/XXXX, I am getting items showing up on my XXXX credit report from NATIONWIDE RECOVERY SYSTEMS with a XX/XX/XXXX charge originating from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Called capital one to address my concerns about the interest they are charging me with. I cant pay the amount that they are asking for. I explained my finances to them and asked them to move my payment date. They refused to make the changes and now they add so much late fees and interest that XXXX cant catch up. XXXX a XXXX XXXX XXXX woman struggling to make ends meet. If they could just lower my payment and interest I will make a payment. But right now Im not financially capable of making a XXXX dollar payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I contacted Credence Resource Management on XXXX. I spoke with XXXX and Supervisor XXXX XXXX about an XXXX collection that was reported by them on my credit report. I asked for proof of the alleged debt specifically the original application bearing my signature. I was told by XXXX that they would not be able to provide such proof to me. Under the XXXXair Reporting Act this item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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 — Investigation took more than 30 days
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: AZ

Complaint narrative:
NCTUE continues to provide false information to close complaints but continues to fail to properly investigate disputed accounts on my consumer file. NCTUE continues to close out my CFPB complaints without providing any of the requested and required documentation of its investigative findings regarding disputed accounts under the FCRA. NCTUE continues to violate my rights under The Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing to report fraudulent, inaccurate, incomplete information on my consumer file, failing to investigate my disputes and failure to provide me with proof of the investigation results showing that the alleged debt belongs to me and is 100 % accurate. NCTUE is causing damage to my reputation, loss opportunity, cost and damage to my livelihood by defamation, misrepresentation and negligent enablement of IDENTITY FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Card was a Vanilla Gift Card. Once card had {$150.00} loaded onto it and the other had {$50.00} loaded. XXXX was supposedly activated in store but no purchases can be made online or instore at all. I tried contacting customer service but I was only able to get an automated voice recording and cant seem to get an online representative on the phone. Many others online have reported their cards being changed unknowingly or not having access to any fund on said card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, 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 2022-12-29 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, I contacted XXXX to request payment refund during pandemic. Nothing happened. And I called XXXX in XX/XX/XXXX again and was told my all information will be transferred to Aidvantage  and I would get the mail from them soon. As of today XX/XX/XXXX, Aidvantage still don't have my information and I'm so frustrated. No one seems understanding what they do in Aidvantage nor XXXX and XXXX does not even answer the phone anymore. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my ChexSystems Consumer Report. 
'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks.

'Statement that the inquiry remains in my ChexSystems File for up to ( 3 ) years or until " the XXXX XXXX XXXX  and the XXXX XXXX XXXX only!!! makes ( Verbal or Written request ) to ChexSystems for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and Consumer ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the XXXX XXXX XXXX was as to why " I have a Security Freeze and Fraud Alert in place on my ChexSystems Report. 
'Explanation that I have been unable to open a Money Market Savings Account with XXXX XXXX  during the last year because " the XXXX XXXX XXXX  refuses to remove the Inquiry on my ChexSystems Consumer 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 explanation
Consumer complaint received 2022-12-29 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: CO

Complaint narrative:
XXXX XXXX I sent a letter to Experian regarding 4 accounts they are reporting the payment status inaccurately.

Not Only did they NOT correct them but two other accounts not listed in the original investigation, they changed the payment status to a negative status with NO reason.

All SIX of these accounts are reporting a payment status that is reporting derogatory. a payment status is supposed to show the CURRENT payment status. 5 of these accounts are student loan accounts which should not be reporting any negative derogatory due to the covid 19 federal loan deferment. NOT TO MENTION THEY HAVEN'T BEEN LATE. the payment status should show PAID AS AGREED.

The Division of Child Support is also showing a payment status that is not accurate it needs to report the CURRENT payment status.

Ive included my original letter as well as all SIX of the accounts credit reports with their inaccurate information highlighted.

This is not only FCRA violation, but it is FEDERAL LAW TO NOT REPORT STUDENT LOANS DEROGATORY WHILE IN DEFERMENT.

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 2022-12-29 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: LEXISNEXIS
State: CO

Complaint narrative:
XXXX XXXX XXXX is reporting errors and rumors and is causing harm and damages to property. 15 U.S. Code Section 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: NV

Complaint narrative:
Spoke to Experian and XXXX on XX/XX/XXXX to dispute and place security freeze. I have two inquiries on my Experian credit report for places and services I never used. 

XXXXXXXX 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 2022-12-29 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: FL

Complaint narrative:
Please have accounts blocked and removed, These accounts are a results of identity theft.

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 2022-12-29 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: GA

Complaint narrative:
The accounts reporting on my file are fraud. I've sent in my etc report. They we're supposed to block and remove the accounts within 5 business days. they haven't done so. As of " 15 U.s. Code 1618c-2 '', they are violating the law and my rights.

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 2022-12-29 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: FL

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 XXXX XXXXXXXX Account name- XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- XXXX 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 a 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 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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ACCUSED ME OF USING A 3RD PARTY TO WORK ON MY CREDIT REPORT. ANYONE THAT KNOWS ANYTHING ABOUT CREDIT REPORTING AGENCIES KNOWS THAT IN THE STATE OF GEORGIA THEY ARE ILLEGAL THUS NO CREDIT REPAIR COMPANY WILL TOUCH ANYONE LIVING IN GEORGIA. I CONSIDER THIS A DELAY TACTIC BY THE CREDITOR AS AN EXCUSE FOR NOT VALIDATING THE DEBT, PROVIDING ME WITH THE 1099C, OR NOT REMOVING THIS ACCOUNT WITHIN THE GUIDELINES OF THE LAW. I HAVE INCLUDED THE DISPUTE LETTER I USED WHICH REQUIRED ME TO HANDWRITE MY DATE OF BIRTH, SOCIAL SECURITY NUMBER, AND SIGN THE LETTER. ALONG WITH A BILL WITH MY ADDRESS AND A COPY OF MY DRIVERS LIC. KEEP IN MIND THAT THE SIGNATURE ON MY DRIVERS LIC MATCHES THE SIGNATURE ON THE LETTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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:
EXPERIAN : Experian Information Solutions, Inc Is Reporting a Fraudulent account i have reported this account for over one year and Experian continuous to side corporate scam, abuse of power, in conspiracy with big corporation and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year

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 2022-12-29 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:
hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were XXXX inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went XXXX XXXX dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday XX/XX/XXXX I accidentally transferred XXXX} from my checking account at Bank of America to my credit card ( I meant to send it to my savings account ). The credit card was recently paid down to a balance of {$0.00}, so when this payment went through, my credit card balance was - {$2000.00}. Upon noticing, I immediately contacted BoA and attempted a stop payment on XX/XX/XXXX. They were unable to perform this action and the payment cleared on XXXX XXXX. I have been on the phone with them every day since and got a request approved to expedite the refund on Friday XX/XX/XXXX. I was informed the money would be refunded to my checking account in 2 business days, which was yesterday, XX/XX/XXXX. 

Yesterday, upon checking my account and finding the money had not been refunded, I again called the XXXX services dept of the BoA Credit card division and spoke with the same supervisor who approved the expedited refund last Friday. She informed me that the refund would be processed last night and hit my account this morning. They assured me of this. 

Today, I checked my account, and there was still no XXXXXXXX credit to my checking account. At this point I am completely livid. A simple mistake of pressing the wrong button in Bank of America 's banking app has resulted in hours of wasted effort on my part and the headache of having a balance of XXXX in my checking account for what will be at least 2 weeks. Additionally, my only form of money right now, my credit card, is constantly being locked due to " suspected fraudulent activity '' and restricting me from making any kinds of purchases. I have had bills flagged for late payment notice, and am in danger of having my cable internet service shut off due to inability to access these funds. 

Supervisor in the comsumer credit card services dept XXXX XXXX is the last person I spoke to and I informed her of my intent to file this claim.

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