vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
XXXX is the loan servicer for my loans and they have filed a 1099c IRS form and never sent me the copy i was suppose to receive. They are also reporting to the credit reporting agencies my transactions and they are not suppose to be reported per USC 15 1681 ( a ) -2. I have called and tried to speak to someone and as usual they keep you on hold until the phone hangs up or you hang up. I would like to do whatever it takes to not only get this situation corrected properly, but to also make other unsuspecting borrowers aware of the service you will receive with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: ME

Complaint narrative:
In XXXX, I closed my account with XXXX XXXX due to the fact that I never had service and my phone always said mobile network not available. I only had the phone for a few months and made several attempts to resolve the issue via customer service, which never fixed the problem.. I went in to the XXXX  store on three occasions to update and receive a new phone. My account was locked? they dont know why, but i never received a new phone. I also made a payment to them in XXXX for {$36.00}. and change for the service and another {$58.00} and change in XXXX to upgrade my phone, that never happened.XXXX charged another month on XX/XX/XXXX for {$36.00} and change after I had closed my account..I asked XXXX  to send me a paper invoice and I would be happy to pay the balance. I was told, " we don't XXXX  paper statements ''. So this account was turned over to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Mo XXXX. They made numerous calls to me and I told them I would not pay for the amount is incorrect. So they contacted XXXX and filed a collection report against me for over $ XXXX the new amount to file a collection report. 
On XX/XX/2023 I filed a dispute with XXXX stating the above information and it was deleted from my report, but not after losing XXXX points on my credit report. My report number to XXXX is XXXX After I was contacted by XXXX about the deleted collection report, I contacted the collection company and requested that they contact XXXX and report their mistake. I think that they fudged the bill over {$100.00} so as it would be included on my credit report as a collection of a debt.

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXX, 2023, I stopped at Webster ATM to withdraw money from my checking account. The slip said invalid transaction. I physically went to the bank to ask why I could not take my money out. I was told that checks were stolen from my account. 
They froze my account, asked why I was not notified about this. After several days of going back and forth, was told you need to talk to Management. The bank says the Webster fraud called our landline. I called the fraud line, they apologized for not leaving a message on our answering machine. We were not home, at XXXX office. 
In the meantime if I had not gone into the bank to find this out. I would have continued to write checks and continued thinking everything was good. On XX/XX/XXXX they closed account and issued new a new one. Told we would get new cards 6-7 days new checks about 3 weeks. In the meantime bills were late. Because we were never informed of this happening. Webster should be held accountable for any late fees. XXXX fraud lines told how to leave messages?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX says Capital One Auto Finance did an investigation on an car loan inquiry on my XXXX XXXX Credit Report.that resulted that there was fraud involved. I am being told by XXXX XXXX that I have the right to the investigation documents that show the details and names on the documents. I have attached letter form XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-25 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: TN

Complaint narrative:
i am a victim of identity theft. my id was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit reporting agencies per the FCRA. The paperwork has not been processed correctly with the disputes. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have not been given copies of the verification process per the FCRA.

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 2023-08-25 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 2023-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: TX

Complaint narrative:
Request to close account after setting up because of confusing information and not able to get answers to questions. Requested XX/XX/2023. Each time I requested screen pops up saying unable to close because of {$5.00} balance. I needed to close out {$5.00} when I attempted it said transaction pending. Wouldnt allow any withdrawal of {$5.00} also put a freeze I couldnt delete my bank account information. This was still In XXXX. I sent email no response. On XX/XX/XXXX a withdrawal was taken from my back acct for {$170.00}. I again attempted to close it still shows balance of {$5.00}. When I tried again it allows to close but refund will be for $ XXXX because it is prorated. It still shows {$5.00} balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : DISCOVERBANK  XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$820.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Carvana Group, LLC
State: MI

Complaint narrative:
I bought a car from Carvana, before learning of their terrible reputation for selling faulty vehicles and failing to honor their warranties. My car broke down on the interstate last Saturday. For the last week I have been trying to get their subsidiary company to tow my car to a shop for assessment, they refuse to pay for the tow ( which is covered by the warranty ) and during this time I have been forced to pay out of pocket for transport to and from work. Until my car is operational or a replacement has been provided it doesnt make sense to me to pay for this vehicle while the company I am paying is not holding up their legally agreed upon end of the deal. This report is to protect my credit from being harmed by this maliciously derelict corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
28 U.S. Code 1738B Full Faith and credit for child support orders- ( c ) Requirements of Child Support Orders- State on orders Louisiana ( NOT TEXAS ) 18 U.S. Code 1509 - Obstruction of court orders Title 42 Sec 1983 Tite 18 USC Sec 242 Deprivation of rights. Makes it a crime for a person acting under " color of any law '' to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States. 
I have no Texas Child Support Orders by a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, a XXXX Male, command Transunion to unblock me from viewing my updated credit profile with the debt report and score in order to dispute errors. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for Transunion to discharge any errors or obstructions from my credit profile.

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
I had an incredibly frustrating experience with this bank 's dispute resolution process. It's baffling how they consistently decline every legitimate dispute I've placed, even when the claims are well-founded. What's even more suspicious is that the claims department seems to have a pattern of only approving claims of lower amounts, which raises serious concerns about fairness and ethics. To make matters worse, it appears that they don't bother investigating or reaching out to the merchant in some cases, which leaves me questioning the integrity of their entire claims process. It's disappointing to see a bank prioritize its own interests over providing genuine assistance to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit report is showing a debt and judgement owing to Enerbank USA out of Utah. Unfortunately after numerous attempts to satisfy this debt, Enerbank and their " Confidential '' attorney 's office handling the file, have repeatedly refused to help me or send any information to aid in the payment of this supposed debt. 

On Thursday XX/XX/2023, I requested information pertaining to the debt that has been reporting on my credit report. When I spoke with the representative, she said my request has been sent to the Attorney 's office handling it and I should receive information shortly on how to pay it off, if the debt is legitimate. I waited patiently for over 3 months with no email, phone call, or text message from the creditor ( Ener Bank ) or their " Confidential '' attorney. 

On Thursday XX/XX/2023, I again reached out to Ener Bank to try to obtain any information I could to try and resolve this negative impact on my credit report. When I spoke with the representative, she was unable to give me any information on the amount of the debt, how to pay it ( if it is even owed ), which attorney is handling the debt for their office, the name of the attorney 's office who is handling it, how to resolve the supposed debt, when I would hear from the attorney 's office that is handling it, contact information for who could help me either make a payment or how to verify this debt is accurate. 

I have had several months elapse where I have not ben able to satisfy this debt due to the secretive and disorganized nature of this creditor. My credit rating has suffered and now this account has likely accrued 3+ months of interest that should not have been accumulated on this supposed debt.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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