vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello. This complaint is about the unverified late payments as well as suspicious transactions in my credit report that I have no idea of. It has been almost a year since i started writing the bureaus, informing them of my situation but it seems that they do not want to take 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 2022-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
In XXXX or XXXX, I applied for my loans to be deferred being that I was with hild and I was about to stop working. They denied my deferment. I had no way of paying my student loans being that I stopped working. I went to apply for XXXX for XXXX and found out my loan was in default. When I spoke with XXXX, they told me they approved my deferment and it went into default in XXXX. I was never informed of any approval or default. I asked them why did they never reach out. I never received a phone call, an email, or even a letter. They didn't even have my information in the system. They told me it was their job to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello. This complaint is about the unverified late payments in my credit report that I have no idea of. It has been almost a year since i started writing the bureaus, informing them of my situation but it seems that they do not want to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for Best Buy Citi credit card due to a new home purchase, and I wanted to buy appliances with the credit card. I processed the application and was approved for a limit of {$5000.00} on XX/XX/2021. On the same day, XX/XX/2021, I made a purchase for an XXXX XXXX and XXXX for approximately {$4500.00}. 

In between this time, I never received my card to my apartment at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received a Best Buy representative call sometime around XXXX asking me if I made any charges between XX/XX/XXXX to XX/XX/XXXX, and I told the customer service rep that I never even received my card. The customer service rep filed a fraudulent claim and send over a new card. 

I received my new card I would say around end of XXXX, and I was never able to log in to the account. I made several attempts to call Citi to help me with login issues, and after about the XXXX attempt and a week later, I was able to finally log in to pay for the washer and dryer. 

After I made the payment, I purchased a XXXX refrigerator for around {$3500.00}. And I paid off the credit card payment around middle of XXXX. 

I received a phone from Fraud department from Citi around late XXXX, questioning and claiming if these charges came from my family members, like my wife. And when I told the rep, no. She pushed on saying maybe it did and I didn't know about it. This is when I escalated with her that she had no basis in her assumptions. She ended the call. 

I received a letter 2 days ago from Security Operations from Best Buy stating : " We have completed our investigation regarding your claim of unauthorized use on the above reference account. Based on our review, we have determined that you are responsible for the charges in question '' " The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorize use. ''

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
The inquiry stated below is unknown to me. The furnisher was unauthorized to pull my credit report. Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see the inquiry that should be removed : XXXX XXXX Date of inquiry XX/XX/2020

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
on XX/XX/2022, someone hacked my bank with Current and they entered their bank credentials to link there account with mine. Then they managed to transfer all of my money which was presently {$400.00} from my account into theirs. I saw that this occurred when I noticed a notification on my phone and when I attempted to get gas and was declined use of my debit card. I filed a dispute with Current and they stated it would take about 10 business days to investigate. Within 1 day they emailed me and said they found NO ERROR. I called and they said yes everything appeared normal. I asked if it was normal to be hacked and have my money stolen, did they find it acceptable and of course they said no. They said they would do further review. It was completed and no change. I requested from them 4 different times a copy of the investigation which they said in an email that I could do. I never received anything. I then contacted XXXX to assist me since they bank proved useless. In a 3 way call XXXX pressed Current to send me a copy of the investigative report which is a law under Federal guidelines for any dispute resolution. Later that day, Current emailed me to notify me they had closed my account after which I was a victim of their institution. As of today I still have not received any assistance from Current or a copy of the investigative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Bank violated the Fair Credit Reporting Act by submitting false information to XXXX and other credit reporting agencies. The XX/XX/XXXX payment was not late but reported late in the XXXX th day. Payments are reported 30 days past due if payment is not made in 30 days. My payment was made in XX/XX/XXXX since XXXX has 28 days and Santander reports at the end of the month and was careless not to falsely report the 30 days late pay. 

Additionally, Santander violated Federal and Stare executive orders not to charge late fees on car loan in XXXX due to Covid 19. Santander still charged me {$80.00} in late fees in XXXX despite President Trumps and Governor Cuomos executive orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX  and the attorney generals office as well as but not limited to other legal actions available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a notice of a debt owed in XXXX. I submitted proper documentation to prove that the debt did not belong to me. I also had a police report from XXXX as someone had been using my social security number under a different name that was not mine. American Express provided documentation from a bank account being used to pay the original debt that also did not belong to me. I had once again opened a dispute to exercise my rights under the FCRA, requesting any proofs with my name, signature, ID, and any other information used, never received this, and was bombarded with email communications offering me a chance to settle the debt and be offered a new card. I did request in the past that they stop harassing me and did so again today XX/XX/XXXX. 

This account is continuing to keep a name and address that I have never lived at showing on my report and out of greed they have made no attempts to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Sir/Madam, I bought my house in XX/XX/XXXX and moved in fully in XX/XX/XXXX. As of XX/XX/XXXX, I started getting credit card demands for an " XXXX XXXX '' from Capital One. I reported that this person does not live at my house and thought nothing of it, but today I found out that an " XXXX XXXX '' was automatically added to my XXXX driver 's insurance, as he is registered at my address with the XXXX, so I suspect some sort of address fraud. 

I've tried to contact CapitalOne multiple times ( via phone, email, and XXXX message ) to report this and to ask them to stop sending bills to my address, as I'm worried about possible court proceedings being associated the address. CapitalOne did not take my reports seriously and keep sending demands to me house. I would like someone to contact me and look to resolve this issue. 

Kindest Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been called several times and has not completed any investigations. Experian Representatives have stated investigations are complete. Even when stating I have had identity theft and have proven so, by completing a police report and having data from XXXX stating I was included in password leaks and have settled out of court for the damage. Experian has held to neglecting to remove the information from my profile. I have recorded my last conversation to prove the negligence of Experian and now wish to move forward with a full federal law suite , with this being my second step in a Default notice which will also be presented to Experian if this last attempt is not met with Due CARE, By mail. The audio file is with Specialist of the Fraud Department XXXX who would not give any other information or a report number. I am re-attaching the information provided in the last report. numerous data details which are not accurate remain on this profile, and Experian should be held responsible for continuing to maintain inaccurate data after not acknowledging the Affidavits being provided and stating they have not received them. when I am being provided the received receipts. This has been a year battle with EXPERIAN. Every minute spent calling and every effort communicating with Experian will not go without penalty. As a Service Provider and Company Experian should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to EXPERIAN to provide Due care.

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
XXXXvictim of felony fraud involving people impersonating police officers Call received from the XXXX Police Department indicating that I was being charged with citations for not appearing for grand jury selection. 

Attempted to collect monies that I was being told were to pay the citations before appearing in front of a judge for contempt of court. 

Money was transferred and upon discovery that this a fraud, one account was closed and stop payments were made on the additional account. 

I attempted to call Venmo to notify and their office was closed. 

Venmo proceeded to pay the fraudulent accounts after they saw the stop payments without checking with me. They acknowledged that they saw the top payments per my phone call to them. 

Venmo wants me to pay these amounts which I will not do and they proceeded to take {$440.00} from my account that was for my son 's security deposit for his college housing. 

I have the police report available as well as any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and account that I am disputing : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX  XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXF Date of inquiry XX/XX/2021 AXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

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 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
I have, with no avail tried to get this off my credit report. 
this company L J Ross, is reporting that I owe. I've was notified by XXXX that i was part of a nation wide breach an my information an identity was exposed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Complaint against XXXX XXXX XXXX and Medical Revenue Service. 
This debt has been paid in full since 2019. XXXX has enlisted THREE debt collectors now to try to collect a debt that has been paid in full since 2019. I am uploading all of my proof and documentation.

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