vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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. 
I HAVE NOT INSTRUCTED ( XXXX, XXXX, OR EXPERIAN ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is still reporting on my credit report and according to XXXX XXXX XXXX this is illegal, they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$10000.00}.

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
Consumer complaint received 2023-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX, my credit card information was used to purchase multiple flight tickets from many airlines without my permissions and the bank did not notify me of a possible fraud. I called Capital One and disputed the charges which added up to almost {$5000.00}. The bank identified that there was a fraud on the account and unusual activities. For some reason, the bank still holds me liable for a portion of those fraudulent transitions ( nearly a {$1000.00} ) and now asking me to make minimum payments with almost 27 % interest rate without a care about a breach in their security system that led to those fraudulent transactions to rack up no my account. I am looking for an immediate resolution and do not want to be held liable for something that I did not purchase. This account is paid off and there should be {$0.00} balance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit management company is still reporting on my credit report and according to New York State this is illegal, they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called XXXX XXXX and asked them to remove this from my credit report and I have already paid the credit card off and I don't owe XXXX XXXX anymore money.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called Wells Fargo and asked them to remove this from my credit report and I have already paid the credit card off and I don't owe wells Fargo anymore money.

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 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
AIDVANTAGE IS SENDING OUT FRAUDULENT LETTERS I received a letter in error from Aidvantage dated XXXX XXXX XXXX regarding consolidation application denial. MY FEDERAL LOANS WERE CONSOLIDATED WITH THE DEPARTMENT OF EDUCATION - 6 MOS. AGO ( Effective : XXXX XXXX XXXX ). Yet, I am receiving a denial letter 6 months later from Aidvantage. 

My federal ( FFELP ) loans with XXXX ( since XXXX ) were directly consolidated with the Department of Education back in XXXX XXXX XXXX XXXX. I am in repayment under the Direct Loan Consolidation program with the Department of Education. I am on the SAVE plan and a candidate for the IDR Waiver - one-time payment account adjustment. 

Not only is Aidvantage 's letter a significant error of fact and context, but it demonstrates false claims of ineligibility. This translates to fraud and abuse. I am demanding a retraction and correction letter from Aidvantage immediately. My loan servicer is no longer XXXX, and it has never been Aidvantage! My loan servicer is XXXX XXXX who are also committing serious issues of their own but that is a different case entirely. 

For the record, I have also received email an official notification from the Department of Education that I am a candidate for loan forgiveness under the IDR one-time payment account adjustment aka IDR Waiver. In fact, there is no better poster child for Direct Loan Consolidation with the Department of Education and IDR Waiver than me. 

Please note I have put Aidvantage on notice that my demand / complaint letter to them dated XX/XX/XXXX is being used with other exhibits attached to a formal complaint against Aidvantage which will be directed to the states attorney general office and regulatory agencies, which cite Aidvantages continued widespread failure, abuse, and unlawful conduct on behalf of its parent company Maximus Federal Services. 

Please investigate Aidvantage 's senseless, and what I believe are intentional errors, because Aidvantage ( Maximus ) is really for all intents and purposes XXXX XXXX ( my former loan servicer ) who is still harassing me with refinancing letters with them in order to try and scam me out of student debt relief! In this regard, on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have notified Navient of these wicked and deceptive practices. This is public record. 

I can be reached any time by phone or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: LEXISNEXIS
State: AZ

Complaint narrative:
NexisLexis consumer # XXXX case # XXXX before XXXXcurrent. 

I am getting bogus refusal letters from a XXXX XXXX XXXX to which I have never applied for anything. The refusal simply states it is based on a report from LexisNexis. That among other things, I have no insurance history. 

I have had own owners insurance for 20 years. I have had full coverage on my car for a minimum of 10 years with just three companies. XXXX, XXXX, and currently XXXX. So even withy what little information their refusal letter disclosed, it it obviously in error. 

My scores from the big there are consistently in the XXXXI have not had any lapse in insurance in at least 20 years, and I never requested a quote from XXXX XXXX XXXX XXXX first place. 

I have sent them a copy of my drivers license, and I have given them my social security number. But, for the second time, they claim they will not process my request for my file based on lack of proving my identity. I can send you copy of the JPEG of my drivers license to see for yourselves, the same JPEG was entirely legible to the XXXX XXXX to renew my license, and to ID me for online validation. 

I have a legal right to see what they have on whatever file they think is me, but, they are procrastinating at best, or, an underhanded refusal at worst. I suspect they know their information is bogus and are simply hoping I will give up and go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: NJ

Complaint narrative:
On XX/XX/ three purchases appeared on my Chase Visa credit card bill from XXXX XXXX : {$66.00}, {$66.00}, and {$52.00}. I called Chase immediately, spoke to the Fraud Dept., told I was not responsible, and the charges were removed. They canceled the card. In a letter from Chase dated XX/XX/ I was told I was responsible for the charges because I " received benefit from these transactions ''. When I called the Fraud Dept. again I was told the charges could only be made with my card. Said card never left my possession, and all I purchased in XXXX that day were lottery tickets for cash. Fraud Dept. told me to speak to XXXX 's bookkeeper to see if they could see what the purchases were for. I was told they do not have the ability to do so. The three charges appeared again on my XXXX statement and in a letter from Chase dated XX/XX/ I was told the charges are valid, I'm responsible for them, and they have completed their review. 

Credit card was in my possession when I called them, and it never left my wallet. I did not make any purchases in XXXX that day except for lottery tickets in cash. I would love to know what " benefit I received from these transactions '' because it was not me who benefited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Contacted on XXXX by scammer on or about XX/XX/2022 ( XXXX XXXX ). Continued to have an ongoing online relationship for months. Scammer requested assistance paying for bills and needed money. Multiple transactions were processed by wire transfer and via XXXX totaling around {$100000.00} USD.

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 2023-10-21 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: FL

Complaint narrative:
Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This address is incorrect. Please remove. 
Date reported is XX/XX/XXXX. 
Please remove. 



Address Reported : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX This is the correct address but the Date Reported is incorrect. 
Please correct. The CORRECT Date Reported should be XX/XX/XXXX. 
Please Update. 



Address Reported : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX This is a duplicate address. 
The address is correct but its a duplicate and I only need XXXX address listed as XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX And the Date Reported is : XX/XX/XXXX this is incorrect The Date Reported should be : XX/XX/XXXX Please Correct. 



Address Reported : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
Date reported XX/XX/XXXX. 
Can you remove this address, this is an incorrect address.

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 2023-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX synchrony bank debt my checking account for the entire balance of my XXXX XXXX credit card. This resulted in a positive balance on this credit account. 
Around XX/XX/XXXX I requested a balance refund and was told it will take up to 15 working days to receive the refund check. 
15 days passed and I received a letter from synchrony Bank stating I was not eligible for refund. 
Around XX/XX/XXXX I called synchrony Bank to again request the balance refund and was told it will be mailed and to expect 15 working days to receive this refund check. 
On XX/XX/XXXX called to inquire about the status of the refund check and was told they will reissue it.

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 2023-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
I was served a small claims complaint from Midwest Credit collection Services in XXXXXXXX XXXX for XXXXXXXX XXXX to XXXX XXXX XXXX. However, all of the debts individually are for different providers within the XXXX XXXX XXXX XXXX. Each of the bills are all under {$500.00}. I was under the impression that you could not be sued for the medical debt under {$500.00} due to the 2023 medical bill act that was passed. What this collection agency has done is combined multiple debts into one lawsuit and filed a complaint against me. Some of the bills are a small {$33.00}. There are no medical bills attached to this complaint, so I have no information to confirm debts owed -is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent each company and each credit bureau notarized letters, police reports, and identity theft affidavits. I also sent proof of my address and asked each company to send me proof of the account, how the account was verified and the company 's verification method. these companies failed to show any proof that the account belong to me. i followed up with a failure to investigate letter and my request was totally denied and ignored by these creditor companies and credit bureaus. i sent these companies a 1692 G ( B ) letter and i asked these companies to follow up with me. XXXX XXXX XXXX XXXX sent out false information to a false and fraudulent address, i called and asked XXXX XXXX XXXX XXXX why wasn't the information sent to the updated address, they never replied back. XXXX XXXX never sent me and documentation verifying this account nor did XXXX XXXX, XXXXXXXX XXXX, Pentagon Federal credit union. these companies are reporting false information on my credit files and have also sold my personal information to third part collection companies which is illegal given the fact i never authorized any of these companies to use my personal information to obtain any credit accounts. These companies have also charged off these debts and have been trying to collect payment through third party collection companies, i have been harassed by these collection agencies. These creditor and credit bureaus have violated my consumer rights in a major way. i have contacted the state attorney general to file a complaint against these companies. i want this information removed immediately from my credit files within 30 days. they have failed to investigate the correct way, they have failed to validate any of these accounts. XXXX has also leaked my personal information in data breaches and refuse to remove and fraudulent credit accounts, inquires, and false data reporting on my credit files.

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 2023-10-21 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: FL

Complaint narrative:
I sent each company and each credit bureau notarized letters, police reports, and identity theft affidavits. I also sent proof of my address and asked each company to send me proof of the account, how the account was verified and the company 's verification method. these companies failed to show any proof that the account belong to me. i followed up with a failure to investigate letter and my request was totally denied and ignored by these creditor companies and credit bureaus. i sent these companies a 1692 G ( B ) letter and i asked these companies to follow up with me. XXXX XXXX XXXX XXXX sent out false information to a false and fraudulent address, i called and asked XXXX XXXX XXXX XXXX why wasn't the information sent to the updated address, they never replied back. XXXX XXXX never sent me and documentation verifying this account nor did XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. these companies are reporting false information on my credit files and have also sold my personal information to third part collection companies which is illegal given the fact i never authorized any of these companies to use my personal information to obtain any credit accounts. These companies have also charged off these debts and have been trying to collect payment through third party collection companies, i have been harassed by these collection agencies. These creditor and credit bureaus have violated my consumer rights in a major way. i have contacted the state attorney general to file a complaint against these companies. i want this information removed immediately from my credit files within 30 days. they have failed to investigate the correct way, they have failed to validate any of these accounts. Experian has also leaked my personal information in data breaches and refuse to remove and fraudulent credit accounts, inquires, and false data reporting on my credit files.

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 2023-10-21 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: FL

Complaint narrative:
Employment Data Reported : Employer Name : XXXX Date Reported : XX/XX/ Position : Broker The the Date Verified of XX/XX/2008 is correct. 
The position of : XXXX is correct. 

The Employer Name : XXXX is incorrect. 

Its spelled XXXX. 
Its supposed to say XXXX. Not XXXX but XXXX XXXX XXXX stands for XXXX XXXX XXXX XXXX 
Please Correct.

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 2023-10-21 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: FL

Complaint narrative:
Names Reprted : XXXX XXXX XXXX you please take this off my credit report my name is incorrect. My name is reported incorrectly. 

And XXXX XXXX XXXX is reported twice. 
Can you remove one of the XXXX XXXX XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: AZ

Complaint narrative:
Under federal law late payments are illegal to report and they are not apart of consumer reports

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