vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX authorized a new credit card which I never authorized and sent it to an address which is not mine. I received a notification on XX/XX/XXXX to me email and called them to let them know that I never applied for that card. XXXX advised me they would cancel the card and XXXX, in fraud department advised me they made a fraud claim for me. On XX/XX/XXXX I received another notice from the bank that another card was processed and shipped out. When I called XXXX on XX/XX/XXXX the fraud department told me that they could not find the claim that was previously done. This was issued after I put a fraud alert on my accounts. The supervisor appolozied and said she would cancel that one too and insured me she would submit a claim. 
Failing to report a fraud claim by a bank caused my identity to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
around XXXX I have received a bill and a collection from from XXXX saying that I owe them about {$3600.00} and I never opened this phone line ever. what was open 2 phone lines and 2 tablets and XXXX barely helped to resolve and now im lost but i went to the local police office and that wasn't much help either they just told me to file a complaint on CFPB and I did that and I waited nothing happened but I got a collections letter in the mail trying to collect the XXXX bill but I don't know what to do after a while it hit my credit profile as Collections and I contacted XXXX and they are actively helping me right placing a fraud alert on my profile

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 2023-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Accounts 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I've been reviewing my credit reports recently because I'm trying to put myself in position to get approved for a mortgage. I noticed this company Credit Collection Services reporting a debt of {$130.00}. The thing is I don't know who they are or what they are claiming I owe them. I have sent them letters to which they have not responded and I'm demanding they delete this info from my credit reports. I have never in my life done business with this company and they're reporting otherwise is harassment at the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The company XXXX XXXXXXXX XXXX XXXXXXXX continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
On XX/XX/2023 I spoke to XXXX XXXX about the financial hardship on the interest. I received a bill dated XX/XX/2023 saying I still owe the interest. I called to find out why and I can not reach a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
( XXXX ) Experien is using email to send weekly & daily information that is not wanted. in my previous XXXX related complaints ( XXXX filed XX/XX/2023 ), I asked for a paper copy of my updated Experien Report. Company has refused to do so. 

( XXXX ) I have requested not to use email to send me marketing information or others. Company has refused. Continues to send me massive amounts of email information that is unwanted and unnecessary.

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 2023-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an American Express Reward Card with the amount of {$21.00}. I am unable to use this ANYWHERE, despite the company saying it should be able to be used EVERYWHERE. Every single time I try to use this card it is decline/says invalid. My purchase attempts are under the available balance, so that should not be a problem. I double checked that the card is activated. Whether I try to use it online, in the store, it doesn't matter. Nothing works. The company just basically says keep trying until you find somewhere it will work. I have tried XXXX, XXXX, XXXX no luck. Tried loading to XXXX XXXX no luck. Nothing works with this card, it is basically a scam to hold your money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
On XX/XX/2023, letters were sent to Experian, XXXX, and XXXX to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: VA

Complaint narrative:
My spouse and I purchased a vehicle from XXXX XXXX in XXXX Virginia on XX/XX/XXXX on a XXXX XXXX XXXX. Since this time we have never had a late payment nor had an issues with accessing our loan information. Our Loan was with Flagship Acceptance. https : //www.flagshipcredit.com/. In the past few months Flagship has changed their website and customer porthole to where I can no longer access payment history. I have been taken off of auto payment which I never had an issue with before and can not set up auto payment unless they send me a form and you can only request one form at a time in a 30 day period. With that being said they charge {$4.00} per transaction in making a payment to your account. When I called the customer service line I was informed they are international and the conversation became a communication barrier so therefore I wasn't sure what the representative was saying the only thing I could get out of it was that she was international and she was not subject to the same rules and guidelines not real sure what that meant either. I requested my payment history and now have to wait for it in the meantime I have to pay this charge to make a payment that I never had before and pay this very high interest rate of 17.32 %. Upon further research I was looking in my paperwork that I do have and the address for Flagship Credit Acceptance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX rest assured that is not what you will get when you call customer service.

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
The card expired in XXXX of XXXX. I paid the account off on XX/XX/XXXX. I have not applied for another card. The account is closed, however I'm being charged an annual fee of XXXX due on 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 explanation
Consumer complaint received 2023-09-12 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Disputed Transactions and Request for Resolution - Truist Bank Dear CFPB, I am writing to bring to your attention a concerning situation I have encountered with Truist Bank regarding a series of unauthorized transactions on my account. I hope that the CFPB can assist in addressing this matter and ensuring my rights are protected under applicable consumer banking laws and regulations. 

Account Details : Account Holder : XXXX XXXX XXXX XXXX Account Number : XXXX Bank Name : Truist Bank Description of the Issue : On XX/XX/XXXX, I discovered several transactions on my Truist Bank account that I did not authorize, nor were they made with my consent. These transactions, listed below, have left me deeply concerned about the security of my financial assets : XXXX. Dispute ID - XXXX Transaction Amount : {$2600.00} I immediately contacted Truist Bank to report these unauthorized transactions and requested a thorough investigation into the matter. However, the bank 's response has been unsatisfactory. They seem to believe that I am responsible for these transactions, despite my insistence that I had no involvement in them. 

Evidence of My Claims : I have substantial evidence to support my assertion that I am not responsible for these transactions. This evidence includes but is not limited to : XXXX. Surveillance footage or location data proving I was not present at the transaction locations. 

XXXX. Timestamps or other records that demonstrate I did not initiate these transactions. 

XXXX. Any correspondence, such as emails or text messages, indicating that I did not authorize these transactions. 

Request for Resolution : I firmly believe that, as a victim of fraud, I am entitled to a prompt and just resolution of this matter. I kindly request that the CFPB intervenes to ensure that Truist Bank conducts a thorough and unbiased investigation into these disputed transactions. I also request that the bank promptly refunds the full amount associated with these unauthorized transactions to my account. 

I would appreciate your assistance in expediting the resolution process to ensure that my consumer rights are upheld and that I am not held responsible for fraudulent transactions that I did not commit. 

Please let me know if any additional information is required from my end to facilitate this investigation. I am ready and willing to cooperate fully in this matter. 

Thank you for your attention to this serious issue, and I look forward to a swift resolution. 

Sincerely, 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 explanation
Consumer complaint received 2023-09-12 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: NY

Complaint narrative:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: NY

Complaint narrative:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: UT

Complaint narrative:
The loan is through XXXX for an auto loan on a XXXX XXXX. I have been trying to get into the website since XXXX to make a payment. The website wont open ; the message states : the resource you were looking for has been moved, had its name changed, or is temporarily unavailable. I have tried several different ways to access my account with no luck. I have contacted the lender at XXXX and received an auto answer that the institution is closed for unforeseen reasons. I have also contacted the Mini dealership who was unaware of the problem. 

Have not received any communication from XXXX and, obviously, concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: EQUIFAX, 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. 


Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: MA

Complaint narrative:
I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, Experian and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold.

Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by XXXX XXXX XXXX XXXX. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX  ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.

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 2023-09-12 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: MI

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account 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 2023-09-12 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: PA

Complaint narrative:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: PA

Complaint narrative:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES 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