vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit 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 2024-08-15 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX {$1100.00} I am requesting them to validate this alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including all fees associated with the alleged debt.

Additionally, I am asking Capio Partners to provide me with a copy of a signed release of health information, as I do not recall signing a release of medical information for them. This is a direct violation of the HIPAA law.

If the debt can not be validated and a HIPAA can not be provided I ask that the alleged debt be removed from my credit report. Furthermore, until the debt is validated and a HIPAA is provided I ask that Capio Partners cease any further reporting to the credit bureaus for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
an account appeared on my credit report that I am not familiar with - my account was flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD bank closed my account on XX/XX/year> without notice. On XX/XX/year>, I received a letter from them stating I could go to any branch to close my account. Now, TD bank refuses to do so and they are holding funds in the account that belong to me. They also allowing debit transactions to go through the account even though is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CT

Complaint narrative:
I am writing to formally dispute XXXX inquiries that appear on my credit report, which i did not authorize. These inquiries are fraudulent, and I request that they be removed from my credit report immediately. 

The authorized inquiries are as follows : XXXX. Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not apply for credit or authorize these inquiries, and I believe they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report, and I am requesting that these unauthorized inquiries be investigated and removed. 

Please notify me in the writing when these inquires have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
XXXX XXXX Innovis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX there should be no other names or addresses listed on my consumer report. I have provided my identification to XXXX XXXX Innovis on several occasions and they have not updated my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
In XXXX  2024 I received notification from Aidvantage that my scheduled payment had not been received ; and I contacted the loan servicer to inquire about the issue. I was provided with information again stating that the payment was not received. The company I work for makes the payment to the loan servicer as part of my salary benefit package ; after speaking with the agency Financial Director inquiries were made to their financial institution to file a chain of custody inquiry. The financial institution provided the agency with a copy of the endorsed and cleared check provided to Aidvantage ; which was forwarded to the loan servicer. When I have again on multiple occasions attempted to contact and resolve this issue of the supposed missing payment ; I have been given the run around and provided with the answer that the payment must not have been made because they have no record of it even though I have supplied them with multiple copies of that and other payments which have been made to the loan servicer on my behalf. The customer service agents for Aidvantage state they can not tell me who endorsed or deposited the cleared check because they do not have actual account numbers. I feel as though I am being discriminated against due to my XXXX American heritage and Aidvantage 's belief that I am irrelevant which leads to Aidvantage 's opportunistic exploitation of me as they have essentially robbed me of funds used to payback a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I reported my card stolen due to receiving a charge that was declined on my card that was not authorized by me. I realized that I had lost my card and ID. Upon logging into my account afterwards I noticed that there were 3 charges on my account I immediately called chase who closed my account and issued me a temporary credit and told me i didnt have to do anything and had nothing to worry about. On XX/XX/XXXX I was notified that I would be responsible for those charges and I immediately called and tried to figure out why and dispute it with no avail I have all the information requested and even sent the receipt of my replacement ID and have heard no response as theres no way to directly appeal the decision Ive been waiting anxiously as this is XXXX dollars that Im on the hook for that I didnt make. I hope it was just a mistake and this can get resolved soon. As I feel I have done something everything asked of me to prove that it wasnt me I reported it right when I saw it and sent the receipt of my stolen ID. Thank you guys for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have experienced a devastating Identity Theft scenario for a near meaningless amount of money and now I can not buy a home because my credit has been decimated. There was an approximate {$700.00} 'loan ' taken out using my SSN. I am a XXXX XXXX XXXX XXXX XXXX XXXX and I'm trying to buy a home. TransUnion site WILL NOT allow me to add the associated police report to my dispute. I have attempted every means available to contact them. No phone numbers are listed. No email addresses. Only an online chat. The chat 'person ' stated i needed to delete my dispute and re-submit XXXX hours later. They WILL NOT allow me to add the police report. So I deleted my dispute, waited XXXX hours and STILL the system will not allow me to add a new dispute and WILL NOT allow me to add a police report. This is a massive deficiency and it's completely unacceptable. They seem to believe they can destroy someone's life with bad credit and then they take no responsibility in the form of customer care to fix deficiencies in their own system. This is unsatisfactory and should be illegal.

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 2024-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXXXXXX XXXX XXXX  Account # : XXXX Account name XXXX XXXX XXXX XXXX Account # : XXXX Account Name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: HI

Complaint narrative:
On XXXX XXXX I went to XXXX to bash a refund XXXX check from XXXX XXXX for a {$1000.00} it turns out the cashier gives me a slip saying they can't cash it. And that I need to contact certegu payment solution..never heard of them so I did I was required to irder what was on my file report. .it arrived in the mail and it reads that I was on the fraud list?? And so as I'm reviewing my file report they have me down fir. Cashing fraud checksXXXX  well it turns out I dont have a bank institution that I deal with I have a avid prepaid debit card that I use only to get my dmsisial security benefits each monthXXXX  so the infonation that certegy has is an error the checking account number that they have. Is fir my avid prepaid card to take out money from the atm I need to use checking and not sa vings to get money out. Of the atm... so yes iv been humiliated and would like to sue!!

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 2024-08-15 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: CA

Complaint narrative:
Hard inquiries were made without my consent. 
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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX on or about XX/XX/year> under application # XXXX. I currently have a fraud alert on my credit and never received a call from the bank to verify the application prior to denial. 

I have previously filed a complaint with the CFPB on this, wherein the company responded that it needed authorization from me to respond. I contacted Citi and was on the phone with them for 2 hours attempting to get the right person on the phone to provide this authorization to. SHAME on Citi for making me jump through hoops to contact them for an authorization, I already provided it! 

I am hereby authorizing the company to respond, and they can reach me at the phone number listed on my fraud alert if necessary to obtain further authorization. 

Shall Citi wish to not respond to this, I will seek legal action.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent in XXXX written request for the company to remove the unverified account that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. 


In the results of the XXXX investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. 

XXXX and XXXX removed this account from my credit report because it's not my debt and its unverifiable.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
date opened XX/XX/year> and I had no knowledge what so ever on it, I did put in a dispute for indentity theft please remove this off as it is now a charge off / collection on my credit report immediately

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I signed a contract on XX/XX/year> with XXXX XXXX and company XXXX before having seen the full terms and conditions of service during a zoom call without being fully informed on what was being agreed upon. XXXX XXXX and XXXX claim to provide mentorship programs, I did not use or access any of these services due to my immediate desire to cancel. Once video call was over I immediately contacted the company through email and by sending a certified letter In the mail disclosing my intention to immediately cancel and receive a refund. I was made to believe I was accessing an estimate of payment when in reality I was being tricked into applying for and confirming a loan with third party affirm. After having attempted to cancel my contract with XXXX and further emailing their support team to no avail, I went ahead and contacted affirm where I placed a dispute on {$3700.00} ( amount of loan ) and total payments done after all installments would have been finalized amounting to a grand total of {$4500.00} the amount of the loan being charged. An investigation was conducted by affirm which was then refused due to the return policy on the companys terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc.
State: MO

Complaint narrative:
Harassment over a debt that should not have been sent by Medical institution, would not let me speak without talking over me, interrupted, was told i was a liar, generally abusive language, refused to even speak to me until i verified DOB and address. I Called medical institution and verified it should not have been sent and should have already been recalled, these people at AR Resources are incredibly rude and use filthy language and tactics. Refused to listen to me unless i paid the full amount. im concerned they will XXXX my credit before the hospital reaches out to resolve this with them. located in PA, also called me from XXXX on XX/XX/XXXX at XXXX claiming they had no information on me at that time, when called today they claimed they had me on file as of the XXXX, so they lied to put me in a bad position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to this fraudulent item on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with non-monetary relief