vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian is the company involved I continue to report them due to the inaccurate and unauthorized reporting they are doing on my consumer credit report.According to USC 1679c I have the right to have inaccurate informtaion removed from my report. I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX this information is inaccurate and I DEMAND it is removed from experian 's data base.This information is hindering me from getting jobs that I seek and thats a violation. There is also in accurate and unauthorized inquiries on my report that are only serving to hinder my life the unauthorized inquiries are XXXX, EXPERIAN XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  NA, EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THESE ARE ALL UNAUTHORIZED AND I DEMAND THAT THEY ARE REMOVED FROM MY REPORT.I AM NOT BENEFITTING FROM ANY OF THOSE INQUIRIES OR INACCURATE ADDRESSES.I did not give experian my direct or written consent to any of my personal information and that is my right as a consumer. the only address that i have ever lived at is XXXX XXXX XXXX XXXX GA XXXX I DEMAND THAT THIS IS THE ONLY ADDRESS THAT SHOWS IN MY 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 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account has been reporting incorrectly and inaccurately on my report. It is reporting inaccurate date of last activity, payment history, and balance. 

It is a clear violation of my right under the FCRA to report incorrect and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account has been reporting incorrectly and inaccurately on my report. It is reporting inaccurate date of last activity, payment history, and balance. 

It is a clear violation of my right under the FCRA to report incorrect and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently learned I am a victim of Identity Theft. I have been taking action against this violation and trying to clean up the inaccurate records listed on my credit reports. 

I noticed all three credit bureaus listed a Public Record that was not mine. I then researched their method of verification and learned they all obtained their information via XXXX XXXX a third party company. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to explain where they obtained their information and why it was in my file. XXXX XXXX responded stating they could not verify the public record and has subsequently deleted this from my file. 

Following this XXXX XXXX correspondence I submitted a letter to all three Credit Bureaus via certified mail on XX/XX/XXXX asking them to remove the inaccurate information. 

Instead of removing the inaccurate information XXXX and Trans Union continue to promote this negative information. I then sent a second certified letter on XX/XX/XXXX again asking that they take my concern seriously and remove the inaccurate information from my file. I heard nothing from XXXX. 

On XX/XX/XXXX I tried calling both XXXX and Trans Union to confirm they received my dispute. I was only able to speak with a Trans Union representative who told me he would re-submit a phone dispute. On XX/XX/2022 I received a letter from Trans Union stating they have reopened and completed their phone dispute but they still have not deleted the information. Instead they are still reporting this negative information as accurate. 

I still have not received correspondence from XXXX following my second dispute letter sent on XX/XX/XXXX. 

I need some help because Trans Union and XXXX are not re-investigating the information. If they had they would see this information is not in my XXXX XXXX XXXX and therefore remove the inaccurate data from my credit report. 

XXXX has re-investigated my dispute from XX/XX/2022 and has deleted the inaccurate public record. I don't understand why is Trans Union and XXXX would ignore my request and even break the law by continuing to report this negative information.

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 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My Citi XXXX ( last 4 digits XXXX ) card reward program offers 1 % cash back on purchases, and an additional 1 % cash back on payments. I have never had any issues with receiving the promised rewards until my XX/XX/22 Statement. I made 4 payments totaling {$17000.00}, but never received the 1 % rewards on my XX/XX/22 payment of {$9400.00}, so I am still owed {$94.00} in rewards by Citibank. 

I contacted Citbank rewards on XX/XX/22 at phone number XXXX and spoke with a woman about this issue. She acknowledged that I was correct that the rewards should have been issued. She said she would take care of getting the missing rewards issued to my account. 

It has now been 2 months, and 2 statements have closed since and I have still not received the rewards I am owed. I have received no further communication from Citibank.

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 2022-06-06 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Wells Fargo Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-06 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX/XXXX  XXXX  account # XXXX, XXXX account # XXXX, XXXX/XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX  accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX account # 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 602 A section 2 : it also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-06-06 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: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 agency shall- ( i ) promptly delete The following inquiries are unauthorized : I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 2022-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: LA

Complaint narrative:
I have been in school and filled my in-school deferment forms each semester. Every time, AESXXXX bank rejects my forms many times until they decide to accept them. 

I have paid $ XXXX of my loans as a student, using student loans. 

This time, the semester is almost over. They are still calling my account XXXX  XXXX days past due. They are reporting to credit reporting agencies, as well as my cosigners agencies. They are threatening me with full repayment and losing my options. They are harassing me and my cosigner ( my grandmother, in a XXXX XXXX  ). 

I have called every week, spoken to customer service representatives weekly,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I got a delinquent loan on my credit report stating that I had a {$390.00} balance for Affirm. Im confused because I have not used Affirm at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this Affirm account and I did not use it to purchase anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PR

Complaint narrative:
First of all, I have never had any service with the XXXX XXXX XXXX XXXX company. From what I understand this is a fraud from ENHANCED RECOVERY COMPANY trying to rip me off. These debt collection companies always use XXXX since it does not appear on any other credit report. It seems that any credit fraud is allowed by XXXX. I request that it be removed as it is a fraud and I have never had a relationship with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
I requested to join XXXX XXXX XXXX on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead XXXX I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from XXXX, XXXX XXXX ' collection agency. I called XXXX on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. XXXX 's hours are during my work hours, and it is not easy for me to call each day. XXXX never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted XXXX on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to IC Systems?! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted IC Systems and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.

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 2022-06-06 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:
I got a delinquent loan on my credit report stating that I had a {$390.00} balance for XXXX. Im confused because I have not used XXXX at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this XXXX account and I did not use it to purchase anything.

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 2022-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Entrata Inc.
State: CA

Complaint narrative:
I moved into XXXX XXXX XXXX  XXXX, owned, and operated by XXXX XXXX on XX/XX/XXXX. Each month we are sent e-mail solicitations encouraging us to pay online. XXXX XXXX does not accept debit cards, or cash at its office, only checks. We are billed back electronically via e-mail for water, sewer and garbage by its service bureau XXXX Entrata Inc. Entrata operates the resident payment portal, which is advertised as an apartment feature and charges a convenience fee to provide locations where you can pay your rent via cash and charges a range of convenience fees for paying rent via debit, or credit card according to the type of card and the product type ( consumer, or corporate or prepaid ). I was charged a {$42.00} convenience fee instead of {$6.00} for paying my rent with my small business XXXX debit card. Both convenience fees are prohibited by US merchants under XXXX rule XXXX and XXXX Rule XXXX. On XX/XX/XXXX, I received a notice from Entrata Insurance Agency LLC that my renter 's insurance policy was not valid using the name residentinsure. I have no dealings with such entity as my policy is with another carrier. I raised my concern about the Financial Institution Privacy issues ( an insurance agency and a bank Merchant Service Provider are covered entities subject to the GLB Financial Privacy Act and were required to disclose they had my information with a notice of privacy practices. I receved a letter dated XX/XX/XXXX from their general counsel stating they were a software company and not subject to such requirements and properly registered. Entrata Inc. is not registered to do business in the state of Oregon and is not licensed a money transmitter, and does not disclose the name of the bank for which it is engaging in XXXX activities as requried by the card associations. I ordered a copy of the merchant record for the transaction and my bank confirmed that the merchant account is held in the name of Entrata Inc. Entrata Insurance Agency LLC is not licensed a full service producer/consultant in the state of Oregon but reciprocal with the state of Utah as a license manager. It has no authority to review the insurance policies of a person wh tates so in the privacy policy dated XXXX on its website.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: RI

Complaint narrative:
I requested to join XXXX XXXX online on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead . I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from Afni, XXXX XXXX ' collection agency. I called Afni on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. Afni 's hours are during my work hours, and it is not easy for me to call each day. Afni never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted Afni on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to XXXX XXXX! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted XXXX XXXX and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.

Company response to consumer: Closed with explanation