vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO ATTEMPT TO COLLECT DEBT THAT HAS BEEN CHARGED OFF. PORTFOLIO RECOVERY ASSOCIATES ADMITS TO BREAKING FEDERAL AND STATE TAX REGARDING CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT '' ... PRA purchased the XXXXXXXX XXXX XXXX XXXX  XXXX ), XXXX. XXXX XXXX XXXX ) XXXX credit card account ending in XXXX from XXXX XXXXXXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2018, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$330.00} was due on the account at the time of PRAs purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-12-23 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: NE

Complaint narrative:
I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received a phone call in regards to this debt. This debt is a fraudulent activity that occur 23 years ago. I refuse to pay for something that I did do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: AL

Complaint narrative:
I submitted an online dispute with Experian on XX/XX/2023 Concerning XXXX XXXX XXXX XX/XX/2023 i received an email stating that the account was CERTIFIED AND NO CHANGE WAS MADE TO MY ACCOUNT. After refreshing my consumer eport this account is still showing inaccuracies and incomplete erroneous information. have also submitted a previous complaint concerning US DEPT ED and I have yet to receive how Experian verified either account. I clearly asked for both. These accounts still have several incomplete, inaccurate and erroneous information. Experian has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month : with incomplete, inaccurate and erroneous information : XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are incomplete erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts removed permanently from my 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 2023-12-23 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$550.00} XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$270.00} 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 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I applied for a loan on XX/XX/ as a personal Loan to assist my grandson with his debt. 
I have NO debt to my name except my Rental income. I am retired and I have income of over XXXX a month and my rent is XXXX a month. I am XXXX XXXX XXXX and a widow. I was declined for Debt to Income Ratio. 

Now I currently have a CD with this bank of over XXXX a Savings account of over XXXX. I own my vehicles and have perfect credit. The Bank has given me a XXXX with XXXX limit and a Overdraft Line of credit limit of XXXX. They both have a XXXX balance and I have barely used them if ever. They couldnt approve me for a loan? The only way they did say they would approve me was if I did it as a secured debt off off my CD amount ( which is up in 13 months ) but the loan had to be Paid in Full before it expired. Or they would take the money from the account. So the only way they would approve me is if it was SECURED? Now the girl who called to verify the loan data aske4d me about my retirements age and time since retired 3 times. 

I feel this is a clear violation of age discrimination. There is no other reason that the decline makes sense unless they had the money secured,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Some facts : - We were charged a full month 's rent ( {$1800.00} ) on XX/XX/ - However, we should only be charged a pro-rated 19 out of 30 days because we gave notice to move out on XX/XX/XXXX. The pro-rated amount for XX/XX/ rent is {$1100.00}. We asked the debt collector to please adjust the bill/ledger to this amount on XX/XX/ ( from {$1800.00} ) with no acknowledgement or response. 
- In addition, we are disputing the cleaning charges for the unit & carpet cleaning. Specifically, we are asking for receipts for the cleaning charges as we do not believe these are valid. 

We have provided multiple pieces of signed, written proof of our intent to move out on XX/XX/ and asked the debt collectors to adjust the ledger and charged rent accordingly. The debt collector has not acknowledged or adjusted any debts. 

The debt collectors have also not provided any evidence for cleaning charges even though we asked them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian tries to trick consumers looking to freeze their credit into buying a paid service. 

Free and easy access to freezing credit as an effective means of protecting one 's financial identity should be a basic and easily-accessible service to the general public. This is a free service through Experian, but some ( maybe many ) will fall for Experian 's attempts to mislead them into buying a subscription service to freeze their credit. Both XXXX and XXXX make the process immediately obvious, very easy, and FREE. 

Additionally, I would bet many would see a price and not bother freezing their credit at all, leading to higher numbers of identity fraud/theft that could have been easily prevented. 

Extra detail on the practices : Right after creating an account, Experian pushes a subscription service page, with the " No Thanks '' button at the bottom of the page. The subscription even shows as " {$0.00} '' like it could be a Federally-mandated free service they are still 'billing ' for, but it is just for the trial. Every time you log in you see that page. 

After, on the Home Page there is a menu only for their paid XXXX lock service, and from there you can access another page. Buried down on the proceeding page is a button for their CreditLock service. ( XXXX 's free credit freeze service is called " Lock & Alert '' by the way ).

On the CreditLock page there is a big, bold UPGRADE box that looks like it is the way to freeze your credit. In the fine print below they mention that their CreditLock service is separate from a Credit Freeze. An inline link to the free credit freeze is there, and a more obvious button is way down at the bottom of this page. This tool is so buried behind misleading attempts to sell a subscription, and I tend to think that is intentional. 

It is not right to take advantage of people like this when it comes to such an important area of life, where failure to be diligent can lead to considerable consequences for an individual and more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: AZ

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 2023-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
XX/XX/ i moved from XXXX XXXX notified corp office i dropped the keys in the rent office box via email. Site manager XXXX XXXX emailed me and stated i can put keys in mailbox I do not owe XXXX  anything my rent was paid in full XXXX took my deposit I now have a collection agency on my credit report hunter warfield inc located in XXXX florida. XXXX XXXX XXXX it shows XXXX opened i wasnt there this is a scam and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NE

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
XX/XX/ My husband ID was falsely made with our home address, birthdate, but fake license number and incorrect expiration and false photograph. We live and work in XXXX XXXX Arkansas this man went to XXXX Missouri and withdrew XXXX in cash and XXXX XXXX in cashiers checks. We had just deposited XXXX into our account so how did they know those funds were available and how did they know the account number??? And why did the bank not call to verify a withdrawal in XXXX Missouri when we have NEVER been there. This is VERY suspicious and now these criminals have our money and know where we live and do and make and now can get loans or other cards and not only steal from us but steal our identities??? They call when a credit card transaction is high WHY would they not call when this depleted our account????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NJ

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following inaccurate address. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank has sent me an email on XX/XX/XXXX  saying my account will be closed within 60 days because I have violated the terms of your account per the client manual. I was not given an explanation in that email about the exact nature of the violation. I have attached a copy of that email with this complaint. Since then I have not been able to login to my Citi account, do any transactions and I have been unable to get any help from Citi customer care. 

When I called Citibank, I was told that my account has been blocked/soon to be closed and customer care mostly repeated the same information provided to me as on the aforementioned email and disconnected abruptly. One customer care person said my account was detected with a " fraud transaction '' and hence its blocked and soon to be closed. I can confirm that there have been no such fraudulent transactions. However, I wasn't asked for an explanation by Citi. My account has approximately XXXX XXXX as on XX/XX/XXXX. The email sent by Citibank informs me that they will send any funds belonging to you to this [ my ] address, once the account is closed. This means that I cant access my own hard earned money in my citibank account right now and for upto 60 days or less, and is at citibank 's discretion. I need my funds ASAP to pay for my various bills, including my condo XXXX payments and several medical bills. I got the number for a Citi XXXX XXXX XXXX at : XXXX from an online reddit forum where a person faced a problem similar to me and opened a case with them. Link of post on online reddit forum : XXXX XXXX XXXX Citi XXXX XXXX XXXX told me to wait 15 calendar days before I get any response. This is a very long time for me as I need access to my funds now to pay my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: NE

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation