vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: CO

Complaint narrative:
A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.

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 2023-11-08 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: CO

Complaint narrative:
A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: CO

Complaint narrative:
A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.

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 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against PORTFOLIO RC XXXX that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
The credit bureau AND American Express or not reporting the correct balance on my credit report. It needs to be {$0.00} balance but every time I dispute with the 3 credit bureau they tell me to call American Express and ask to report. American Express still says there is a block and there is NOT. I really need for my credit to reflect the accurate balance. As American Express has already confirm the account balance is {$0.00} but not reporting it accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I was in an at fault accident on XXXX XXXX XXXX XXXX XXXX is my insurance company which has wrongfully totaled my car. I understand the process of total loss. I told the Adjuster I wanted to owner retain my vehicle. I called my finance company whichbis Ally Financial and they agreed. XXXX XXXX refuse to send the proper documents to Ally Financial and Ally refuses to accept the XXXX car evaluation XXXX XXXX sent them. Ally said they need XXXX XXXX XXXX and XXXX XXXX keep stating they only use XXXX. XXXX XXXX stopped accepting my phone calls. I had to go to a local office to get a XXXX on the phonevand she stated she would send the XXXX XXXXhat Ally requested but never did. Meanwhile I pd out of pocket to get mylar repaired in the amount of XXXX to have transportation to work. Ally is forcing me to continue making payments and I saw on my account that another payment is not due until XXXX XXXX I did not make those payments. They are trying to take my car. I have never been late with an insurance payment or car payment.

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 2023-11-08 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: TX

Complaint narrative:
XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus XXXX responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states 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, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute

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 2023-11-08 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:
XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus XXXX responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states 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, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute

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 2023-11-08 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-11-08 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: NC

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX 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 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 XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a Capital One credit card and they introduced a new feature- Capital One XXXX- where you can get rewards for shopping at a variety of different stores. I made one purchase and spent extra because there was an opportunity for rewards from Capital One XXXX. This was my first purchase using Capital One XXXX and the transaction was on XX/XX/XXXX. On XX/XX/XXXX I received an email that said that my account was suspended. There was no information as to why, they only linked the terms of service. I read through the terms of service and did not violate any of the terms. I have subsequently tried to re-read the terms of service but the page no longer works. I tried calling and they said I had to email for help because they couldn't accessing anything over the phone. I emailed and the response I got was : " Thanks for contacting Capital One XXXX! 

We regret to inform you that your Capital One XXXX account has been suspended. We reserve the right to suspend your Capital One XXXX account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One XXXX on your specific browser type. 

We appreciate your understanding. 

Because my account is suspended I don't have access to the rewards I collected from that purchase, and the subsequent purchases I thought I was making and getting rewards from, didn't count because my account had already been suspended. When I made those secondary purchases, there was no indication that my account had been suspended. It appeared as if I was still getting the rewards. It wasn't until I searched in my email for my rewards that I saw my account was suspended. 

Without them giving me any reason to suspend my account, I believe their business practices are fraudulent. I researched and saw that there are a number of others who have had a similar experience with this service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Avant credit card company has been applying late fees of {$39.00} to my account two days after the due date!! I have called to ask if they could move the due date to the first of the month due to my XXXX check being deposited into my account and was blatantly told no. Then when I was speaking with the customer representative she refused to connect me to her superior and when she finally did, he did not attempt to help in any form or fashion and had me on hold for over an hour. I am a XXXX XXXX  veteran and this is XXXX  XXXX as to how Avant customer service is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
starting with date XXXX XXXX for XXXX was paid at a XXXX XXXX. multiple more items from XX/XX/2022 until XX/XX/XXXX when we closed the account. All were ach ; s such as a XXXX ach, plus many other web payments specified. There are way too much to list. The was also directg web payments not done by me. The total amount of money aken from the account was XXXX of what I was able to determine. PNC will not refund close to XXXX of my money. This has been going on for 14 months in which they only sent a check for XXXX. They claim they closed the issue and will not return or credit the rest of the balance. They are claiming the the money not refunded was done by me. It was not. People were paid with my money out of state including mortgage, credit cards car loans etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc
State: OR

Complaint narrative:
Explained this was fraud and not my debt. The original person hung up on me. Called back and got a second person. They explained XXXX was the original debtor. I told them it was fraud. They asked I send a copy of the police report to XXXX I did that and the agent then hung up after telling me that I'm angry and they are trying to help. I informed them to let the original creditor know it was fraud and I would pursue further legal representation if account was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023, I met with XXXX XXXX at XXXX XXXX XXXX about exiting my timeshare. During that conversation, I unknowingly signed paperwork that opened up a {$20000.00} line of credit with Citizens Pay. I never discussed the need for a line of credit nor did I approve opening any account with a financial institution that I was not already dealing with. 

On XX/XX/2023, I went back to XXXX XXXX 's office because something did not feel right. He was not available to meet, and I was told that I would have to speak with XXXX XXXX. No one else was available to help me. 

On XX/XX/2023, I received an email saying that I had been approved for a line of credit with Citizens Pay. 

On XX/XX/2023, I mailed XXXX XXXX a letter with a formal cancellation request. He did not respond to that letter. 

On XX/XX/2023, I reviewed the paperwork with my daughter and we put a fraud alert on the Citizens Pay account. We also cancelled a XXXX XXXX XXXX that was opened without my knowledge during the XX/XX/XXXX meeting. 

On XX/XX/2023, I received a letter from Citizens Pay dated XX/XX/XXXX saying that I had 14 days to respond. The address on the letter is incorrect.

Company response to consumer: Closed with explanation