vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 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: NY

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have made multiple attempts to get in contact with XXXX XXXX regarding a fraudulent collections account that is being reported to Equifax. Despite speaking with them on multiple occasions and sending letters via certified mail stating that this was not my account, I have not received any resolution. I was assured that they would conduct an investigation into the matter, but I have yet to be contacted with any updates since. This fraudulent account is severely impacting my credit profile, causing me financial hardship, stress, and XXXX. It is also negatively affecting my creditworthiness, and I am eager to have this issue resolved so that I can have an accurate and fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
on XX/XX/23 at XXXX central I received an email from " XXXX '' stating : Hello XXXX, Your user account has been successfully created. Your Login Name is : XXXX For security, your password will be provided separately. If you do not recognize this activity or find this email suspicious, please contact help desk at XXXX. Regards, Payment Card Customer Service I received a subsequent email from the same address at the same time with a temporary password. The language was similar. To the best of my knowledge I have no business relationship with fisglobal I called the number, and the phone number requires you to either enter a XXXX digit card number or report a card lost or stolen. There is no option to speak to someone if you find this email suspicious. There are no other options that would allow you to speak to someone. I forwarded the email to XXXX on XX/XX/23 at XXXX central with the following text : " Can yall please provide more information on this email? I called the number as instructed but it asks for a XXXX digit card number. I have a number of cards, but also not real crazy about entering a credit card number without any explanation. The only other option was to report a card lost or stolen, so there wasnt a way for me to speak to someone about why I received this email. I have a card or login with XXXX  but it hasnt been used in a long time. '' They refused to respond.

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 2023-11-04 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: MI

Complaint narrative:
in 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 ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: OK

Complaint narrative:
I was advised from credit karma that I was approved for a loan with XXXX and it was in fact denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion

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 2023-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXX, XXXX  every other week for the month of XXXXXXXX XXXX  thru XXXXXXXX XXXX, I was told Ten different answers regarding applying the {$1500.00} to my ESCROW account ; I was told several different answers each time I called, from it wasn't applied, I was short for my house payment, I sent the check to the wrong department, yes we have your house payment on automatic withdrawal from my Credit union account. We sent my Home Insurance Policy in ( 6 ) times, XXXX XXXX ( my insurance carrier ) sent the policy to you all four ( 4 ) times and we were told over and over again you all did not receive the policy. Three agent tried to really assist me and told me they would make the proper adjustment. Until Thursday, XX/XX/XXXX a young lady gave me a detailed explanation on my account. One young man was Intentionally RUDE. 

In addition, I'm on automatic withdrawal from my Bank account the XXXX of every month, however, you're not applying the funds until the XXXX of the month and charging me a late fee ; when it was your company that stated it's not late until after the XXXX of the month. So why am I being charged a late fee? 

Please be advised that my Insurance ( homeowners ) is on automatic withdrawal from my financial institution. I've told you all this since XXXX, XXXX 

Please leave my ESCROW and pay my taxes ; I will PAY MY HOMEOWNERS INSURANCE. The mental anguish I've gone thru for the last three months is CRAZY. I am a valued customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: CA

Complaint narrative:
The credit bureaus has not deleted the fraud off my credit report Ive sent them. I need help with resolving this fraud with Experian, XXXX and 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Have incorrect addresses on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Aidvantage will not update my XXXX credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with Aidvantage. 

Total Balance showing is {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against Experian Information Solutions , Inc.

To Whom It May Concern, I am writing to file a formal complaint against Experian Information Solutions , Inc. ( hereinafter referred to as " Experian '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to Experian 's General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXXXXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, Experian, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, Experian failed to provide the necessary information as required under the FCRA. Furthermore, Experian engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, Experian inaccurately increased the reported debt by one dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on Experian 's part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to Experian, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that Experian 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of Experian. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter

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 2023-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXXXXXX Original Balance {$3200.00} current balance over {$4000.00} IQ Data International, XXXX Credit reporting. 
I have contacted and disputed this inaccuracy on my credit report with XXXX and the creditor numerous times. Asking that this debt be verified. After dispute is completed I am receiving a credit report with no verification stating that the debt has been validated. I have received nasty calls from the creditor. I have tried to resole with creditor and also have requested the information that was purchased by them bearing my signature of the debt. I have explained the debt does not belong to me and to have this removed from my report I have made several goodwill 's to the creditor in an attempt to clear up the debt with both XXXX and the collection agency, still no verification of this debt has been provided. This inaccuracy represents a very serious error on my credit report with XXXX. My rights have been violated. Furthermore, interest is being added. This is also documentation that I requested from the creditor, why is the debt increasing. No one has provided me ay documents that I haver requested showing any proof of the debt bearing my signature as well as the debt adding interest. Four years this has been hindering me. I need this debt to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  I single mom and my XXXX XXXX XXXX daughter entered XXXX XXXX XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX I worked with the manage XXXX. The conversation between XXXX the manager and I was understood that if I came into the dealership he would allow me to test drive some vehicles. I enter the dealership in my XXXX XXXX. I test drove the XXXX XXXX XXXX and like it. He had me fill out a credit application and I did with the belief and hopes that he would either get me a fair trade. The XXXX XXXX was listed at XXXX. He change the price and sent my information to several creditors carelessly and lied about my the amount he paid me for my XXXX XXXX. He tried to explain to me i had negative equity in my XXXX XXXX XXXX, but he reported to the creditors my car was worth only the amount I owed. He admitted to lying to the creditors about the trade in value of my XXXX XXXX XXXX so he could make a profit. He changed the price of the XXXX XXXX from what was advertised. He charged me XXXX more than the worth XXXX the XXXX XXXX. I explained to him I was very uncomfortable, yet he not only continued to pressure me to trade in my vehicle, he invited another salesman over and used fraudulent sale tactics to get me to sign. By this time my daughter is crying and both XXXX and the sales manage were making my environment hostile. Because I felt like a hostage and the salesman and dealership manage would not let my daughter and I leave gracefully. I signed the papers and went home. I realized I never received copies of my signed documents. I felt even more immediate uneasiness. I headed back to the dealership at XXXXXXXX XXXX XXXX XXXX XXXX. I asked to return the vehicle because of the fraud of the trade in. I was with my XXXX XXXX XXXX daughter. The manage XXXX explained the only way he would trade me back my XXXX XXXX and take back the XXXX XXXX XXXX was if I paid him {$5000.00}. He explained that is how much money it costed him the night before to change over my title and license plates. I told him I didn't have {$5000.00}. He said he could not help me and if I needed additional information I needed to wait for the creditors to send me a bill and to talk to the creditors. I ask for the cooperate office contact information and he refused to give me a cooperate member to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: MOHELA
State: PA

Complaint narrative:
I qualified for the XXXX  discharge of my federal student loan which means I am not obligated to pay my student because I am a XXXXXXXX XXXX XXXX yet my credit score report that I still owe that student loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
Have incorrect addresses on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as XXXX  insurance that Carmax finance provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment XXXX years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
Giftcards.com appeared to misrepresent dates transactions occurred. For example, I made a purchase using square.com that was immediately refunded. Giftcards.com appeared to delete original transaction information ( XXXX purchase was refunded almost immediately ( refund occurred, and initially visible on giftcards.com transactions for the card ) then a day later " disappeared '' and did not reappear until almost XXXX weeks later ). The {$250.00} ( full amount of gift card ) remains unusable as of date of purchase on XX/XX/23. This duration falls outside of their cardholder agreement and has caused a number of late payments. 

Giftcards.com does not appear to have a working customer service line and either never connects to a representative, or alternatively, someone hangs up immediately upon connection to an agent. 

Giftcards.com has blocked my email address from submitting of help requests to the email available on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
First things first, my father and I share the same name. We also shared an address and he co-signed one of my car loans. My father also passed away in XXXX. Upon paying off my car loan a few months ago, I wanted to check my credit reports to make sure the information was accurate. I had no issue with XXXX. Unfortunately that wasn't the case with XXXX and Equifax. My file was mixed and I was reported as deceased with both agencies. Both XXXX and Equifax asked me to submit documents ( Driver License and Social Security Card ) to prove my identity, which I did. I sent the documents certified, return receipt. Upon receiving confirmation that my documents were received, I reached out to both credit bureaus to find out if my issue was resolved. It took me about a week of hour long phone calls with XXXX before I finally reached a stateside supervisor who was able to fix my issue and lift the deceased notice off of my report. Now my remaining issue is with Equifax. They keep insisting that my credit report has been corrected, but I keep asking for proof and they keep stating that they have to escalate the matter. As of XXXX, XX/XX/XXXX, my credit report issue with Equifax is NOT resolved. I tried to adjust my a credit card interest rate with XXXX XXXX earlier and they stated that there is an issue with my Equifax report and they are unable to pull it to make a determination. I tried logging into XXXX  to view my credit report and went to make a dispute, but I received an error message asking me to contact Equifax, so obviously my issue is not yet resolved. I am legit exhausted from all of the back and forth and just need some assistance to get this resolved once and or all. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX will not update my Experian credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with XXXX. 

Total Balance showing is {$150000.00}

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