vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted TransUnion regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft TransUnion gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.

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 2023-07-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. this has been an ongoing issue that needs to be resolved asap. all of my data is incorrect. please review an remove the requested information to help clear my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments

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 2023-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
When trying to contact the debt collection agency, the representative was very rude, and he kept on trying to talk over me and would not let me get a word out. I was trying to work out a payment plan to pay my debt, and it made me very upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have inquiries that do not belong to me. Ive reached out to the credit bureaus and the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
This is my 3rd complaint on Columbia Debt Recovery with filing complaints of false practices and also adding interest to a debt they have not fully verified, CFPB this company knows that if they respond with any information you will close the complaint and this is not correct and Lawful. This company is not able tp operate in my state yet alone require for me to pay for debt that they are not able to prove. 

Columbia Debt Recovery is not accredited as a business according to the XXXX and their licensing to operate is not correct along with being expired. They are using different names to operate and business using business that no longer have association with them to harassing 's me asking for a debt to be paid that they have not fully verified. 

I am also going to contact my Attorney general Office in Arizona of their false business practices. They have responded to me with yelling and raising their voice which I will attach proof of everything I am mentioning. I asked them multiple time to remove this debt and stop adding interest to something they can not verify. This is a 3rd party company that bought the debt and did not disclose how much they paid for it along with if they have the legal rights to collect on this debt. 

I will make this public and will like for the CFPB to do a full investigation on the false practices. I have my rights and take my credit profile serious

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
In according with the federal credit act 15 U.S. Code 1681i my right has been violated. - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The following complaint number are going over 30 days period. 

the letters was submitted certified at usps. 
tracking number : XXXX return tracking number : XXXX I never receive any answer from experian, its been over 30 days

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 2023-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: NC

Complaint narrative:
I bank with NETSPEND. On XX/XX/XXXX my saving account was hacked. Over {$1600.00} dollars was taken out of my account. When I became aware of what was going on I called my bank to file a dispute. The gentleman that I spoke to file the dispute incorrectly. He actually file my transactions and not the hackers. When I noticed the error I called my bank AGAIN and told them what about the wrong filed dispute, causing me to have to file another one. I sent in screenshots of the transactions, plus address that was listed on my transaction history. I was told to wait 10 business for a decision. SO I WAITED!!!! On the day I was told to call to check on the status of everything I was told that my claim was denied due to non-fraudulent activity. 
I was livid!!!!!! 

Can someone please help me! I need my money and they refusing to replace it. What can I do???

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
The current situation is causing me a great deal of distress and 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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX, XXXX I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the XXXX XXXX XXXX. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.

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 2023-07-18 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the XXXX XXXX XXXX. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
I've been attempting to pay a debt since XXXX. So far four different debt collectors are using the same tactics, but I have only gotten proof of the last one. They send a letter saying we will accept $ XXXX for full resolution of the debt. This is then paid in full, and then they take that amount off of the debt, wait two years, sell it to another debt collector and then repeat the process, changing the amount by whatever percentage they want, adding on fees, or whatever else they want to do. It becomes a never ending cycle of you owing debt that you've already paid. I have proof of the last company that attempted to do this to me. The PDF password is XXXX and was password protected by them. If you need any additional information, feel free to email me at XXXX or XXXX. Or SMS/text me at XXXX. 

The companies involved in this exact same scam are as follows, but I only have proof for the first one that I've attached. This has been ongoing for 8 years. 

Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ( XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) I believe that the debt being sold to these debt collectors may have been potentially a knowing party that purposefully does not keep the records of debt collectors and " waits '' for their responses that never comes. 

XXXX XXXX University XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IN

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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.

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 2023-07-18 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: NM

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since XX/XX/XXXX I have my XXXX XXXX XXXX and I made monthly payment to pay my bill at XXXX. I should be receiving XXXX Dollars ( this is the reward program XXXX XXXX has ) but today is XX/XX/XXXX and I'm not able to see and redeem my XXXX Dollars. When I check my account it says that I have {$0.00}. But when I check all my statements I should have until today an amount of {$68.00} XXXX XXXX. But I can not see them anywhere and I'm not able to redeem them anywhere neither.

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 monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A recent dispute for inaccurate information by a furnisher XXXX XXXX results stated it was certified as accurate and remains unchanged on my consumer report. I have disputed this account with you and the furnisher multiple time and yet it remains unchanged and inaccurate. I have provide documentation that shows the information been furnished is in fact inaccurate, such as the payment history, actual balance, date of account closure and account status. I DEMAND THIS ACCOUNT BE REMOVED FROM MY CONSUMER REPORT as I have dispute this account multiple time to correct the inaccuracy and and you have failed to do so. PLEASE REMOVED THIS ACCOUNT FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file with transunion. this is my 2nd attempt an needs to get this issue resolved. checking my credit file ive noticed alot of errors that are causing delays. please review an remove the information submitted asap.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A sales associate from Ashley Furniture Home Store issued me a Synchrony Bank credit card without my knowledge or approval. 

I was contemplating buying a couch from the furniture store and asked if there was a way to pay for it over the course of a few weeks. The representative advertised that they would check whether I qualified for a credit card, they did not say they were signing me up for one without my approval. I had made it clear to them that I did not want a credit card and the representative assured me they were just going to check if I'd qualify. 

This credit card was issued to me without my consent. I have never even purchased anything from Ashley Furniture and they are attempting to damage my credit with this credit card that I never asked for and will never use. This is fraud.

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 2023-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Two fake accounts opened in my name XX/XX/XXXX. XXXX XXXX XXXX mileage plan. Charged {$75.00} dollars by bank to open accounts that I DID NOT OPEN. Have made multiple phone calls, trips to three different Bank of Americas, filed a claim, that was faxed by B o A. No one responded to faxed claim. The employees at all three B o A denied the ability to help me, including the manager at one of them.

One person deleted the {$75.00} dollars but would not help me otherwise. I have sent several request for information on how accounts opened. No response. The one thing that did happen was a " soft '' inquiry on my credit line by B o A after one of my several trips to the bank for help. I have XXXX protection and they notified me. 
Please help me. Have been with B o A since 1978. Am now in process of closing this long time account, which has caused many more hours of work with auto pay accounts, and transferring to another account, and personal visits to establish auto pay with places like XXXX, water company, sewer company, telephone company, computer company and any one else we do business with. Have filed police reports, notified Postmaster General and as many places that were recommended

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