vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: TX

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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unauthorized accounts on my consumer report : XXXXXXXX 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 2023-10-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have unauthorized accounts on my consumer report : 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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank My Citi Prestige card annual fee came due. I paid the {$95.00} annual fee, but then downgraded the account to a Citi Costco card. The fee was refunded and I had a positive balance of {$95.00}. Citi was supposed to refund this via check. Instead Citi closed the account ( # XXXX ) and will not refund my positive balance on the account. I have called on multiple occasions. The last 2 times I called we XX/XX/23 & XX/XX/23. The account was closed in XXXX. Every time I reach out they say they will send me the check to refund, but the check has never arrived. I know Citi has the correct address on file, because I receive and advertisement from them almost weekly addressed to me ( typically a favorable loan agreement is the advertisement ).

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 2023-10-19 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:
This Account have violated my rights According to FCRA 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. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( 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 this account is 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.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MN

Complaint narrative:
I contacted XXXX because they continue to report incorrect information about 2 old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXX 's online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX did was leave me a note saying that the EdFinancial information was correct. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial still had not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost 1 year ago - and since that time, EdFinancial has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why EdFinancial refuses to correct my information and why XXXX refuses to update the EdFinancial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America credit card was used for a fraudulent {$170.00} charge at XXXX XXXX number XXXX in XXXX NJ. My claim was denied by BoA because they somehow determined my physical card was used. This is impossible because I the card was with me and my card must have been copied or skimmed somewhere. I just opened a police report with XXXX XXXX and am registering a complaint with CFPB as this is outrageous. At the time the fraudulent charge occurred, BoA actually sent me an alert text message asking me if I approve the charge. This means BoA itself knew this charge was potentially fraudulent immediately! My claim denial makes no sense and others / BoA need to be aware of how long time customers ( since XXXX  ) are treated.

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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AR

Complaint narrative:
I have been working with XXXX  XXXX Global Holdings LLC since XXXX to pay off the debt on my XXXX, XXXX XXXX  and XXXX. 
On XX/XX/XXXX I did a one-time wire transfer payment to Global Holdings LLC per agreement, confirmation # XXXX in the amount of {$5800.00} to settle the two remaining credit cards, XXXX and XXXX Bank XXXX XXXX any remaining fees involved with XXXX  XXXXGlobal Holdings LLC. I spoke with XXXX, along with several other representatives. There were to be NO more drafts out of my bank account. On XXXX, XXXX XXXX drafted another {$270.00} from my checking account, which I found out when I went to buy groceries and had no money in my account. I called Global Holdings right away, they were closed. When I called them on XXXX, I ultimately spoke to XXXX again, she said she would have to look at my account, she would put a stop to any further withdraws, but will have to have the department look into the draft and put in a XXXX and they will refund whatever amount is remaining after they look at their numbers. Throughout this entire program, the amount of fees and incidental charges that were done by Global comparative to what actually went to the Credit Card companies are quite askew, I feel as though I have been taken advantage of not only by excessive fees, but by additional withdraw from my bank account after a settlement agreement was made by both parties and I had wired the agreed amount of {$5800.00} to Global Holdings LLC per their direction on XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent over a factual dispute letter on XX/XX/2023 and keep getting information is verified and accurate when being disputed through all three credit bureaus. There are several inaccuracies being reported which is affecting my credit severely. Multiple violations against FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: CA

Complaint narrative:
I sent over a factual dispute letter on XX/XX/2023 and keep getting information is verified and accurate when being disputed through all three credit bureaus. There are several inaccuracies being reported which is affecting my credit severely. Multiple violations against FCRA.

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 2023-10-19 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: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please be advised that I have sent in different occasions to RESURGENT CAPITAL SERVICES, LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, RESURGENT CAPITAL SERVICES, LP must prove that this acct is mine showing any existing contract or application signed by me with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I made sure that my bank information was correct in my account with Aidvantage prior to the student loan mandatory repayments starting up again in XXXX. I received a confirmation email a few days ago that they had processed my first repayment- but when I went to their website, I saw an error message that I had missed my first payment. I have looked into this online and I've seen many people say that this problem with Aidvantage was only solved by filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At least XXXX incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the XXXX and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, XXXX and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian. 

I've had countless screenshots over the years of this... But not readily available atm.

But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i recently received a wells fargo ( wf ) credit card ( XXXX XXXX XXXX XXXX ). i tried to enroll for online access but was denied because i don't own a cell phone. apparently, wf sends verification codes only via text message. i spoke with several customer service reps and was told that i should be able to go to any wf branch with a photo id and a banker could help me enroll. i went to the XXXX XXXX, ca branch on XX/XX/XXXX and was told that i had to make an appt. i went back the next day and was told by a banker that there was nothing she could do to get me enrolled. the banker filed a complaint on my behalf ( XXXX ) wf responded by email and cited a mobile banking policy " which indicates you must provide us ( and maintain ) a valid mobile phone number which you are the owner of or have the delegated authority to act on behalf of the mobile subscriber. '' are these people utterly dense? the mobile banking policy doesn't apply to me because I DON'T OWN A MOBILE PHONE. it's hard to provide a mobile number if you don't own a mobile phone. if i did i wouldn't be filing a complaint and we wouldn't be having this narrative. i bank with my laptop and desktop which are not considered mobile devices. 

i will be XXXX next year. my generation did not grow up with all these modern electronic devices that proliferate today 's landscape. many of us, like myself, are not tech savvy and are intimidated by these new-fangled things so we don't use them. hence we can't get online access given.wf 's narrow and stinted policy. this is, in effect, de facto XXXX XXXX and needs to be amended immediately! 

nowadays we have all types of electronic options. i don't have to use XXXX XXXX as my web browser. i don't have to use XXXX  as my isp. i don't have to setup an email account with XXXX. there are options everywhere except with wf. i deal with at least 8 other financial institutions and all of them give me the option of code delivery via landline or email. XXXX provides options ; so does XXXX XXXX XXXX incidentally, is there any credible empirical evidence that cell phones are more secure than other methods of delivery? 

wf needs to wake up and realize that not everyone owns a mobile phone.

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 2023-10-19 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: Freedom Mortgage Company
State: DC

Complaint narrative:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told Freedom Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the Freedom Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. Freedom Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to Freedom Mortgage ( one has already been completed ). Freedom Mortgage can schedule the payment if they want assurance. Freedom Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from 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 2023-10-19 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: AZ

Complaint narrative:
On XXXX XXXX I received an alert on my credit file of an unknown inquiry. Please investigate and delete immediately XXXX XXXXXXXX XXXX ( XX/XX/2023 ) I am not liable for this inquiry its fraudulent.

Company response to consumer: Closed with explanation