vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.s.c 1681 section 604 A. Section 2 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 non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX XXXX  on XX/XX/2023 they pulled a XXXX from XXXX, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citibank is engaged in deceptive advertising for opening new checking accounts. 

They mailed a flyer stating if you open a new checking account and maintain the balance for 60 days they pay you a bonus based on your deposit tier. 

The details which are buried in fine print states they don't count balance days until after 20 days and then reserve an additional 30 days to pay out the bonus. Additionally you must keep you account open until the bonus is paid, so in effect if you open and deposit the same day as I did, they are holding your funds for 110 days ( XXXX ) before you get the bonus. 

There is no technical reason why they couldn't automatically pay bonuses on the XXXX day of the required balance. These gimmicks are intentionally deceptive to catch consumers off-guard and tie up funds for 110 days all the while claiming " 60 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 2023-04-04 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:
By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. 

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX 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 2023-04-04 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: MS

Complaint narrative:
I am filing again this complaint and informing you to do an investigation on this account XXXX XXXX XXXX XXXX that is appearing negatively on my report that I am not aware where it came from. This is my 2nd time filing a complaint because my first complaint was closed without proper investigation. I am attaching the letter I have sent to the bureaus.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my XXXX  shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from XXXX, but used an XXXX  pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.

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 2023-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I have been falsely reported by the student loan company, Georgia Student Finance, as owing {$4000.00}. Despite my attempts to resolve the issue, the company has continued to reset the account this year and refuses to correct their records. I reached out to my university 's financial aid department on XX/XX/2022 to confirm that the funds of {$4000.00} were sent back, and they confirmed that all funds were indeed sent back to Georgia Student Finance. However, when I contacted GSF, they lied and denied that the funds were returned, even though they were. I have been unable to resolve this issue with the company and am considering legal action to protect my rights and seek compensation for any harm that I have suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: CA

Complaint narrative:
On XX/XX/ I received an alert from my XXXX report that I had an inquiry but I knew I didnt authorize anyone to check my credit. A company or law firm named Kirschbaum Nanney Keenangriff checked my credit report without my authorization. I have no affiliation with them. I never authorized them to check my credit. I will be making a formal complaint to the NC state law board.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mother was financially abused by her caretaker for the last 6 months of her life. Around XXXX was withdrawn from several of her accounts. This was done in {$1000.00}, XXXX, and XXXX dollar increments about everyday. Wells Fargo did not notify my mother or myself who is also on these accounts. I did not have any electronic access to see any of this activity. I didnt see this until after my mom passed away and I had to get the past statements from Wells Fargo . I have tried numerous times to file claims only to be denied. I also filed a claim with the attorney general also to be denied. I believe that Wells Fargo has some ownership in this as they were not looking out for my mom and did a huge disservice to her and myself. I have copies of statements to prove this activity. It raises huge red flags which they did not act upon. I also have checks that the caregiver forged for her rent and duplicated and triplicated her weekly pay.

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 2023-04-04 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Self Financial Inc.
State: NY

Complaint narrative:
My billing cycle for this credit card end on the XXXX of each month. On XXXX XXXX, my statement closed with a balance of {$0.00}. However, it was reported on XX/XX/XXXX with a balance of {$250.00}. I think that its misleading and unfair to show one balance on the statement but reporting a different balance to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I call Capital One on XX/XX/2023 to make a complaint about a hotel stay and to a dispute I was told they will investigate and there's nothing I need to do after two months Capital one final to Resolve my claim Not accepted any of my documents poof the hotel sent back my refund and I will not be charged for the stay. 
Capital One did not help to resolved my claim at all if you they been very Disturbination. Against me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CCS Collections is trying to collect XXXX for XXXX when I have a new policy with another company and I don't owe XXXX nothing, This company keeps doing this I have reached out to them multiple times and I am told they will remove it and it's still against me now it's on my credit report and I want it removed immediately as this is not owed and they have to right to put this against me. They keep putting it back against me so I am reaching out to CFPB now to fix this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: GA

Complaint narrative:
Got a notification of a new account being on my credit report that I did not open. All the report says is Source EXPERIAN Alert Date XX/XX/2023 Balance Amount {$0.00} Open Date XX/XX/2023 Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX City XXXX XXXX Zip XXXX already reported to Experian but they said I needed to make a report here.

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 2023-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
My identity was stolen and used to open several payday loans through Advance America online. I was unaware of these loans until I started to receive past due bills. I contacted Advance America and notified them that this was identity theft and filed a police report which I also sent them on XX/XX/XXXX of XXXX. I was told that if I filed a police report and sent it to them that I would not be liable for these loans. They have now sold them to debt collectors who are harassing my family, they are not contacting me directly because the phone number that they have is one I have never owned and one that the suspect used to open the loans. I have contacted Advance America several times and have also contacted the debt collector XXXX several times and am being told they can not give me any information and that I have to go to court and present my case to a judge. I dont see how that is legal. The loans should have never been sold and I was never contacted by them. I also dont see how its legal to give one person so many loans within such a short period of time. 

XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
Per the American Express National Bank website, I submitted a form to close two CDs early on XX/XX/2023 and was informed that it could take up to 13 business days to complete the request. It is past the 13 days and I still do not have access to my money. I have tried contacting customer service XXXX repeatedly regarding this request and have no answers. I'm not sure what is going on but I just want my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-04-04 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: AES/PHEAA
State: CA

Complaint narrative:
There are ( 6 ) student loans being reported under FED LOAN SERVICING reporting inaccurate late payments. It clearly indicated on my credit report ZERO PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE 2010. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE 2010 PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: IN

Complaint narrative:
I am a victim of identity theft. I was affected by the Equifax data breach that occurred in XXXX. On XX/XX/XXXXXXXX I sent Equifax an FTC Identity Theft Report, my driver 's license, my social security card, a cover letter explaining what transactions were fraudulent and not made by me, and a copy of my electric bill as proof of address. I had listed 3 fraudulent hard inquires XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, and 2 fraudulent accounts XXXX XXXX XXXX and XXXX XXXX XXXX. They received the documentation on XX/XX/XXXX via certified mail # XXXX. Per the FCRA, they have 4 business days to remove items I identify occurred as a result of identity theft, as long as I send in the required documents, which I did. I called XX/XX/XXXXXXXX  and spoke with XXXX, who initially told me the hard inquiries would have to remain on my report, even though they were the result of identity theft. She ended up removing 2 hard inquiries ; XXXX  XXXX and XXXX XXXX, as well as the 2 fraudulent accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX She told me she was unable to remove XXXX XXXX from the hard inquiries. I explained to her that it was also listed on my FTC Identity Theft Report as fraud and she refused to remove it. I was escalated to supervisor XXXX and he told me my FTC Identity Theft Report was invalid because my address wasn't on it. The address field is NOT a required field when submitting an identity theft report with the FTC on identitytheft.gov. I advised him that it is their duty as a credit reporting agency to maintain my privacy and block items I identify as identity theft and he flat out refused to help me. Equifax is in direct violation of my rights as a consumer under 15 U.S.C.1681c-2 ( a ) of the FCRA.

Company response to consumer: Closed with explanation