vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: IL

Complaint narrative:
I do not recognize these credit inquiries and I have asked for them to be removed and the bureau did not remove them as I asked. I am providing an identity theft report with this, and I am asking for these to be removed from my credit report they are inaccurate and not mines

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 2024-07-07 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery XXXX XXXX XXXX was informed last month via CFPB that the alleged debt reporting on my credit report was inaccurate, and they were asked to remove the account and remit payment for the number of violations. They proceeded to send paperwork that does not match the balance on my credit report, nor does it state that I entered into an agreement with them. I contacted the original creditor and the documents sent to me does not align with those of the collection agency. Furthermore, this collection agency XXXX is not active in the state of Texas, which I will attach to this complaint for reference. Lastly, the original creditor, XXXX XXXX XXXX, was involved in an XXXX lawsuit last year due to price fixing and other violations. I am under the impression that both companies are involved in illegal practices. I am once again demanding the removal of the following account before this is escalated to legal measures. Again, the payment for the violations of your company is to be remitted to the address on the invoice. Your paperwork claim that the alleged debt is {$5300.00}, yet my credit reports each month says something different. Currently, it is stating a balance of {$5300.00}. This also does not coincide with the paperwork from the original company. You have no license to collect any debt in the state of Texas. I have attached all documents for your reference. This account is to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I receive several calls a day from Portfolio Recovery Associates for a woman I do not know named XXXX. The numbers are randomly generated so that every time I block a number they call from another number. On 2 previous occasions I have answered the calls just to tell them they have the wrong number and that I do not know this woman. The calls only escalated. I do not answer them now but they go to voicemail and i have to delete the voicemails. If I am at work or waiting for an important phone call from family or friends these calls are very disruptive. I feel like I am being harassed over a total stranger 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
I was taken by ambulance after a slip and fall on ice and the company keeps billing me despite my insurance indicating all but roughly {$50.00} has been taken care of. I have called them numerous times disputing the debt and provided them documentation and they continue collection efforts. The amounts they try to collect also vary between {$800.00} and {$1400.00}. I have never seen anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I received a call from the creditor and they told me if I go and retrieve the vehicle, they would stop reporting the negativity on my credit report. I flew over to Texas and picked up the vehicle and when I got there, they already had the vehicle in process to be auction and did not notify me of that. If I had known that, I would not have wasted money flying over there to pick up a vehicle that was already in someone possession. Now know one knows where the vehicle is and it hits my credit report every month hard.

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 2024-07-07 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
This debt was on my credit last year ( XXXX ) from a company called XXXX XXXX XXXX I disputed it twice with Experian and the second time it was removed from my credit. The debt was then taking off my credit but reappeared this year ( XXXX ) from a new company called XXXX XXXX XXXX XXXX. I disputed it twice with Experian and it remains. I uploaded prove that it should be deleted once again and Experian and XXXX XXXX have not giving me anything proving this debt is mine to be paid.

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 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am asking for this to be reconsidered as I don't qualify for the legal aid. I have received an updated letter from XXXX XXXX which better states the problem. I'm trying to rectify what happened : they cancelled all my cards, tanked my credit rating, and kept about {$1000.00} in cash rewards. 

This is what happened : I went into the Citi site and changed my XXXX from XXXX. Balance to pay in XXXX payments. That is the only action I took in this case. I did not place a stop payment on any transaction. I tried several times to make an interim payment but everytime, the payment was rejected by XXXX XXXX. 

When I changed my autopay, XXXX XXXX automatically created a stop payment on the account which also affect all subsequent payment attempts. XXXX from XXXX XXXX attached. 

I never stopped payment on anything, I have never been late on my payments or abused the 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This debt was on my credit last year ( XXXX ) from a company called XXXX XXXX XXXX I disputed it twice with XXXX and the second time it was removed from my credit. The debt was then taking off my credit but reappeared this year ( XXXX ) from a new company called I C Systems XXXX. I disputed it twice with XXXX and it remains. I uploaded prove that it should be deleted once again and XXXX and IC SYSTEMS have not giving me anything proving this debt is mine to be paid.

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 2024-07-07 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: NC

Complaint narrative:
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 name : XXXX XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-07-08 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: OH

Complaint narrative:
For the past year I have been going back and forth with XXXX and transunion over the inquiries on my credit report. Unlike XXXX, both XXXX and transunion dont allow dispute of inquiries online, you have to call or dispute by mail. I have done both, several times over the past year. I have called multiple times to dispute these inquiries with both companies over the phone. My dispute was taken and I was told to mail in a written dispute in addition. I did this with both transunion and XXXX. I was told by XXXX that it was never received and to mail it in again and I did, I have not heard anything from them since. I was told by transunion that I sent it to the wrong address and I mailed it again to the address the representative gave me. Til this day almost a year later I have not heard anything from either of these companies nor had any result from my dispute. However, XXXX has addressed and removed all the inaccurate inquiries from my report. I have only XXXX inquiries on XXXX as to having XXXX and XXXX on transunion and XXXX respectively. If XXXX removed theses same inquiries there is no reason the other 2 credit agencies have not done the same. I have also made these companies aware that I was a victim of identity theft. Further all 3 companies XXXX, transunion, and XXXX have inquiries on my report that are over 2 years old and should have been removed already.These inquiries include the following and pictures are included as proof : Inquiries are not mine and have no knowledge of and are unauthorized by me for both companies 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX XXXX, Reference # XXXX Bankruptcy XXXXXXXX  XXXX, Reference # 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 2024-07-07 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: GA

Complaint narrative:
I have been a victim of identity theft and have not given any of the following information nor authorization to any of these companies. This is a violation of the FCRA act and these companies are hindering my consumer report. The following companies are as stated : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at a copy of my credit report and i noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account im asking you to verify is accurate : XXXX XXXX XXXX, Account number XXXX Open XX/XX/year>

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 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had identity theft and now Chase refuses to refund my money. 

On XX/XX/year>, a woman had enough of my personal information and was able to call Chase to order a debit card in my name. She got the debit card shipped to an unfamiliar residential address, then picked up the card on XX/XX/year>. On XX/XX/year>, proceeded to spend my money with various vendors. She spent about {$3200.00} total, between withdrawals and debit card purchases. 

I was able to find the owner of the address the card was sent to and he provided ring footage of this woman picking up my debit card. I shared this footage with Chase. 

Chase is saying because she had my debit card along with the pin, that I authorized these charges and therefore can not get my money back. However, the woman was able to create her own PIN number when she ordered the card. I provided video footage of the woman picking up my card and filed a police report. Chase is still refusing to give my money back. 

I was able to get the withdrawals back, but not the {$1600.00} in debit card charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: TX

Complaint narrative:
On XX/XX/year> at around XXXX my wallet was stolen at a very crowded bar. I found out in the morning at around XXXX when I woke up to multiple charges on my debit and credit cards. I immediately called Wells Fargo and let them know that my wallet had been stolen and multiple charges ( adding up to {$460.00} ) had been placed on my card at multiple XXXX and some ice vendors. Even while I was on the phone with the Wells Fargo representative charges were still trying to come through. I filed a police report as well and sent that to Wells Fargo. Weeks later I received a letter from them letting me know they would close the case, I called and asked if they needed anything else and why the case was closing, they told me it's because I couldn't provide the name of the person who did the unauthorized charges. I told them if I knew the name of the person who stole it I would've let the police know and they apologized and said they would go ahead and close the case.

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 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Hi, i am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not third party. The three major credit bureaus are showing low and inaccurate credit scores and repots for me in their system. I have complained to these credit bureaus for over 60 days. I spoke to representatives from each. Transunion ( XXXX XXXX, XXXX ( XXXX XXXX, XXXX ( XXXX ) from the fraud departments. I asked to speak to Us rept but they refused and/or had me on hold for hours. I do not why they chose to abuse me. They are supposed to be protecting and helping their consumers. Please help me as i am extremely FRUSTRATED.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX XXXXXX/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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I consider the account to be invalid. CITIBANK , N.A . must verify under oath that this claim is legitimate, free from any claims or defenses, including but not limited to breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Additionally, the alleged account should have been transferred in good faith with the consent of all parties involved. If they can not provide this sworn verification, I request the account be removed from my credit record and their records.Citicard XXXX, XXXX 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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correctXXXX XXXX XXXX XXXXXXXX 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 2024-07-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: IN

Complaint narrative:
On XX/XX/year> I made a XXXX grocery pick up purchase for {$140.00}. I ended up not needing the pick up and canceled it. XXXX reversed it on their end. Days went by and I didnt receive the refund back to my account. I called and the XXXX said he reversed it and I should see the funds within XXXX hours.. XXXX hours came and I never received the refund.. I called back and they said there was a problem with their system and its going to take up to 15 days to receive my refund. 15 days goes by I still do not have my refund. They said upper management is dealing with it and it should be resolved by XX/XX/XXXX. XX/XX/XXXX is here and nothing. I keep getting a different answer every time I call. I asked how long this takes and the representative said she didnt know. The other representative hung up on me when I asked for their refund policy. I keep getting the run around and I want my refund. Its been a month.

Company response to consumer: Closed with explanation