vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was left in my wallet, which I unfortunately was pick pocket at a shopping mall. I am a victim of Identity Theft & Equifax XXXX XXXX. Despite my immediate and repeated attempts to retrieve it by contacting the mall on the same day and subsequently, my wallet was never recovered from the thieves. Upon realizing this, I decided to pull my credit report because I'm in need for a car very badly, and to my dismay, I discovered unauthorized collections accounts and hard inquiries that do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report shows a collection from your agency with a balance of {$1100.00}. I was never notified of this collection. Whats more, I do not believe this debt is accurate. I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, XXXX and when I requested, they provided me with the original contract over an month ago, they did not give me one. This has been an ongoing battle for me, spanning over 3 long years. I urgently request the removal of these erroneous entries from my credit report immediately. I am currently in the process of securing a new car and a home for both myself and my XXXX daughters who I have full custody of, as we face the threat of homelessness. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Additionally, I would like to emphasize the importance of upholding the credit repair law as outlined in 15 U.S. Code 1681 and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. Your cooperation in rectifying these discrepancies is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: GA

Complaint narrative:
My personal information was left in my wallet, which I unfortunately was pick pocket at a shopping mall. I am a victim of Identity Theft & XXXX Data Breach. Despite my immediate and repeated attempts to retrieve it by contacting the mall on the same day and subsequently, my wallet was never recovered from the thieves. Upon realizing this, I decided to pull my credit report because I'm in need for a car very badly, and to my dismay, I discovered unauthorized collections accounts and hard inquiries that do not belong to me. XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Co XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report shows a collection from your agency with a balance of {$1100.00}. I was never notified of this collection. Whats more, I do not believe this debt is accurate. I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, XXXX and when I requested, they provided me with the original contract over an month ago, they did not give me one. This has been an ongoing battle for me, spanning over XXXX long years. I urgently request the removal of these erroneous entries from my credit report immediately. I am currently in the process of securing a new car and a home for both myself and my XXXX daughters who I have full custody of, as we face the threat of homelessness. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Additionally, I would like to emphasize the importance of upholding the credit repair law as outlined in 15 U.S. Code 1681 and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. Your cooperation in rectifying these discrepancies is greatly appreciated.

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 2024-02-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also the Credit bureaus did not take 30 days to complete my investigation. 

I submitted a complaint with the XXXX.I submitted a complaint with the attorney general 's office and these collection agencies are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also the Credit bureaus did not take 30 days to complete my investigation. 

I submitted a complaint with the XXXX.I submitted a complaint with the attorney general 's office and these collection agencies are violating 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 2024-02-11 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: AZ

Complaint narrative:
I can not see my credit report with this company. I called and they are saying that there is no credit account for me when there is. I have been having a problem for over a tear and still no resolution. They continue to states that a supervisor will call me back and never anything. There is a company that I have no knowledge of that appears to be reporting on my credit and I get notifications.

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 2024-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/24 at XXXX, all of my money was taken from my bank account and transferred to @ XXXX for the amount of XXXX I contacted Chime XXXXXXXX the same day and filed a dispute and on the XXXX they denied my claim and will not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I started reaching out to the creditor the beginning of XXXX in regards to this matter and received only a response stating that this debt allegedly belongs to me. According to 15 USC code 1581 ( e ) b this information has to be 100 % accurate and also according to 15 USC 1681 ( i ) 7 if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: MOHELA
State: WA

Complaint narrative:
I applied for the temporary PSLF waiver program in XXXX through Mohela. They still refuse to process my application, erroneously throwing out statements like they didn't receive all pages of my PSLF forms ( to which I sent in again and then they canceled saying it was a duplicate in XXXX ), or they can't verify my employer is a government agency ( despite it ending with a .gov address, having my employer signed PSLF form, and me sending in a copy from the federal aid website verifying the EIN is a qualifying employer in XXXX, to receive another letter in XXXX stating they can't verify the EIN and they understand I can't obtain verification of my employment. ) All these erroneous statements keep them postponing my availability to obtain credit for my work in the federal government of close to 20 years now, which I should have credit for towards my student loans. I also requested a prior history from Mohela of all my past student loan payments from prior servicers before my loans were transferred and they refused at first to provide it, and when I requested it again, they only provided a partial listing showing back to XXXX. I have been in repayment since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to Equifax by USPS tracking number ( XXXX XXXX XXXX XXXX XXXX ) to do an investigation of unauthorized inquiries on my credit report. I did not give these companies permissible purpose to view my credit report. These companies didn't provide any proof I gave them permission to view my credit and Equifax failed to consider my information in the dispute. 

Equifax violated My Consumer Rights under FCRA Section 611 ( a ) ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

These companies below violated my Consumer Rights under FCRA Section 604. Permissible purposes of consumer reports I did not give these companies below permissible purpose and I don't know these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit. 

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
I want to close my Current account. It has {$0.00} in it. They said that I can not transfer the money out because it's less than {$1.00}. They said if I want to close the account, I either need to spend the {$0.00} or just close it and forfeit the {$0.00}. This seems predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
- XXXX XXXX XXXX I opened the XXXX XXXX XXXX XXXX after an offer was presented while purchasing a ticket on XXXX XXXX. 
- The AMEX credit card offered {$300.00} statement credit after spending {$1000.00} in the first 60 days. - - I was instantly approved and I applied the card to purchase the airline ticket. 
- The requirements needed for the {$300.00} bonus were met. 
- XXXX XXXX, I checked for the bonus and the representative stated the waiting period of 60 days. 
- Today, XX/XX/XXXX, I contacted AMEX customer representative via chat on the mobile application ( copy of screenshot is available ). He stated that the offer is declined. When asked why, he stated There is no specific reason. 
- I also inquired about interest charges of {$12.00}. I paid my statement balance in full. The representative answered I can see you paid in full, but the system wont let me refund it - When asked if he can fix the system, seek help from a supervisor, he stated that a supervisor would state the same. Its the system that wont let him fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
This account was purchased by a Debt Collector without my legal written consent.

I have no knowledge of this account presented by the Debt Collection Agency.

I do now own this account, therefore it is Fraudulent. 

XXXX XXXX XXXX are furnishing inaccurate and incorrect information to the consumer agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : A moral or legal obligation ; a responsibility. Accurate : Correct in all details ; exact. Prohibition : A law or regulation forbidding something. As defined by The IRS valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: OH

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX/XXXX/XXXX  appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with XXXX XXXX, Experian, XXXX, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you

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 2024-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and IRS publication XXXX. Income is a certificate of indebtedness. The IRS treats the forgiven debt as income. You are in violation of 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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Subject : Update of Personal Information - XXXX XXXX XXXX [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to inform you of a change in my personal information that needs to be updated in your records. My name is XXXX XXXX XXXX, and my only valid address is now : XXXX XXXX XXXX XXXX XXXX, IA XXXX Please make the necessary changes to ensure that my credit information reflects this updated address accurately. If you require any further information or documentation from me to process this change, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX used my Credit Information with banks that I did not authorize such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I authorized to run my credit to XXXX XXXXXXXX XXXX to get an auto loan from XXXX. I authorized just 1 Bank and not 5 different banks. XXXX XXXXXXXX XXXX affected my Credit Score. They should tell me in advance before running my credit 5 times. 
The car salesman offered me on XX/XX/XXXX, a XXXX XXXX XXXX XXXX XXXX. I traded my old car XXXX XXXX XXXX, and the salesman said that everything was approved by the dealer, and I left the car dealer place with my new car. Next day a received a call from the same salesmen stating that the financial manager wanted to talk with me. I went to the XXXX XXXX dealer again and the Financial Manager informed me that I had to return my new car. He said the auto loan was not approved. I informed to Financial Manager that the Salesman told me that everything was approved, and that is why I left the dealer with the new car. They lied to me.

This situation increased my Car Insurance, because I had to change my car insurance for a new car, before leaving the dealer. So, they made me return the new car XXXX and offered me another car. I had to trade the new car XXXX for another car which was not XXXX  ( XXXX XXXX ). I had to report to my car insurance company again and they increased my car insurance again. This situation was very difficult and frustrating. I requested an appointment with the Sales Manager, and he just offered me to give them another big down payment of {$6000.00} after I gave them {$2000.00} to get a XXXX  car like the car that I trade from the beginning of the whole story. I ended up with my credit score very low after having a decent one. They screwed my car insurance. I ended up paying {$8000.00} down payment, they ran my credit 5 times without my authorization. I spent a couple days and long hours at the dealer trying to fix all this situation. They even lost my plate number, and they requested another one from XXXX. It was a nightmare. I hope nobody experiences something like this with this Dealership 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