vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance to the Fair Credit Reporting Act, everything on my credit report has to be 100 % accurate and consistent. 

Experian stated that the account listed below was properly investigated and the results were that the account was " verified as accurate ''. Well how is that possible when the dat of last activity is inaccurate. This is grounds for an immediate removal. 

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 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
The debt collector XXXX Paragon is unable to prove what I owe and why. Despite not being able to prove it they sent me an attached bill from the children 's hospital which clearly shows blank. I attempted to call PA XXXX PAragon Revenue Group they have stated that they do not know what is owed but they require {$1700.00} to be paid full. I find it very concerning that they can not provide a bill of fees and only provide a bill where it shows i owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report 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 explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts on my report I do not recognize

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 2022-04-21 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: NJ

Complaint narrative:
Accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
This was my first time purchasing a western union money. The post office was closed. So I bought two money orders. My rent and my daughter rent. XX/XX/XXXX I put me and my daughter rent money in the same white secured envelope and dropped it in the drop box at heron crossing apartment office in XXXX South Carolina. XX/XX/XXXX I received a call about my rent money. I told the manager I put both my daughter and mine money orders in the drop box. She claimed she didnt see. Well we had to pay western union to investigate what happened to our money orders. They sent us a copy of the endorsement money. Someone stolen the money orders from the office. {$320.00} each. I tried everything. I wasnt working but my rent got paid. Unfortunately I lost apartment XX/XX/XXXX. I tried to file papers through the court. I turned in my hardship form /appeal forms to the court I got evicted through the XXXX XXXX XXXX. How can we get compensation. My daughter is on XXXX and shes currently still at her apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
In XXXX, my XXXX XXXX  revolving debt was transferred to collections and then sold to Transworld, LLC collection agency. I had never received a letter from Transworld regarding this debt. In XXXX, Transworld started intercepting my federal income tax check and have been ever since XXXX ( about XXXX ). The original amount of the debt was a little over XXXX XXXX dollars. I contacted Transworld several times over the last 2 years with the last contact in XXXX via letter to informed them about the illegal collection through the tax off-set program, and demanded that they stop the collection activity through off-set. They claim that they are collecting on behalf of the government ( XXXX ), however when I contacted the XXXX and XXXX XXXX XXXX ( XXXX ) and XXXX XXXX directly, they indicate that I do not own a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: AL

Complaint narrative:
I went to the hospital in XXXX and received 3 different bills as expected. I had paid all the bills and was making payments on 1. I made the payments as required and when it was all done I received a refund of XXXX for over payment. In XXXX this account was filed on my credit report, to which I filed a dispute, proved my payments, and it was removed. This same account is now back on my credit report from a different collection agency. On XX/XX/XXXX I received a phone call from Elevate recoveries LLC saying I owed XXXX, I said that can not be true and I have confirmation numbers of payments. They said confirmation numbers do not help them because it was not their numbers. They can not give me any information that I ask and have no idea who what when or where, they just know I must pay them. I said I would like a copy of everything they had and to send it to my new address. She said she would not do that and that she could send me a statement but with no payments or anything accounted for. Within 15 days they put it on my credit report without sending me anything. I called them was put on hold and no one ever picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I can not log onto Aidvantage website. I dont know much information regarding my loan balance or the switch from my previous loan service provider XXXX XXXX I have not received a call and only received an email from Aidvantage welcoming me to Aidvantage. I am not sure whats going on with my student loans. Not knowing any details about this and not being able to log on is a huge issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on XXXX, Equifax and XXXX on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from Equifax, XXXX and XXXX as well. 

XXXX XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Vehicle traded in on XXXX XX/XX/2022. Payment was due on XXXX XX/XX/2022. Spoke with 2 company representatives and informed them that the car had been traded in and they should direct all communication toward the dealership, the following is list of dates, times and numbers that they have used to request payment. 

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

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 2022-04-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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 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 2022-04-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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 explanation
Consumer complaint received 2022-04-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My experience with the credit agency TransUnion Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate and consistent on my credit report. 

Experian stated that the account below was properly investigated and that it will remain on my credit report. The account was verified to be accurate. How is that possible when the date of last activity is inconsistent with all 3 bureau. This account is grounds for an immediate removal from my credit report. As far as I'm concerned there was no proper investigation completed. 

XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a credit card with SYNCRONY BANK ( TJX Rewards Platinum Mastercard. since XXXX. On XX/XX/XXXX I called the bank to make a payment of the amount of {$290.00} using my checking account. And after 30 days I closed the account. I received my last statement after 30 days and I noticed that my due amount was incorrect, because my payment of {$290.00} was not included. I called the bank again and they were going to open an investigation and see if they could find my payment. I provided the tractions numbers and I was told that it might be victim of fraud by some one else, but I was sure that the payment was made to the bank and also I contacted and spoked to someone from the bank. 
is being hard for me to fix this matter, because the employees at this bank care less, after the investigation I was told that they found the payment and they will return the money to me, and I got the check, but days after I received another statement denying my payment of {$290.00} from XX/XX/XXXX. I would like to report the bank for committing fraud and for lie to me. 
Please let me know if you need any information from 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 monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My payment is due on the XXXX of each month. I make my payments on the XXXX of each month. They fool around and do not process my payment until after my due date and then charge me a late fee of {$40.00}. This is happening every single month. The company is Capital One. I have a " XXXX XXXX XXXX card. They are located in XXXX XXXX XXXX, Utah. Their phone number is : XXXX. I hope I've given you enough information to solve this case. I do not know who I have spoken with as I have called and tried to resolve this problem " MANY '' times. 

help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
Stated on XX/XX/XXXX that I will be sued in XXXX for an old debt for legal fees and the amount owed that was from XX/XX/XXXX. The company stated I need to sign some papers. Company 's name continental finance.

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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX menulis : Dear sir, Base on Support XXXX Ref : XXXX i need legal aid from advocacy. 

I just want to know how to access funds that will be sent to me, from the XXXX people who played a role in requesting payment from me on behalf of a claim based on the name of the Wells Fargo Bank company, regarding international remittances to me, through proof of receipts and receipts that I have received. and on behalf of my own account as beneficiary funds. 

the XXXX individuals have had their respective roles in the order to request payment from me using the name wells fargo : 1. the sender named XXXX XXXX XXXX based on the bank receipt i received i will receive the transfer XXXX {$2.00} claiming to be XXXX requesting crypto payments from me ( someone claiming to be from XXXX is asking for crypto payments that I've transferred for international remittance payments ) 3. the head of the international wells fargo bank fund transfer center XXXX who acts as an employee of wells fargo bank with the nametaxt employment of wells fargo bank , as director of the bank named XXXX XXXX XXXX. ( someone who asked to collect my payment processing international funds, that I got the winnings XXXX $ and I have received the receipt of proof of delivery ) of the XXXX individuals have had their respective roles who have requested payment from me through the XXXX that I have transferred. 

they are the XXXX unbroken link in the wells fargo bank that has switched roles to contact me. 

Even though in your investigation, they are not part of you, but they do have the official wells fargo bank receipt that I have received. and lastly the ball is in the third person, namely XXXX and XXXX. 

I don't know how you found access to my remittances working in law enforcement within the United Federal State government? 

So you can immediately decide for yourself without me involving wells fargo customers to lead to law enforcement police offices or law enforcement offices. if it's true they're definitely all involved in a fraud syndicate, froud, international code of ethics. because I don't really know and don't know about the laws that apply to all federal states. On behalf of Wells Fargo Bank I need your help, to resolve this case to a transparent law enforcement and sense of justice. 

What is certain is that a customer only needs the funds that have been issued for payments that have been transferred to all of them, to be able to return to my bitcoin account or address, which I can use to pay my XXXX XXXX credit card monthly bills in XXXX as my loan for crypto purchases in my wallet. For the payment to them. 

Thus my explanation is so that it can be understood, for your attention I thank you.

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 2022-04-21 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: Kriya Capital, LLC
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation