vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: Harvard Collections, LLC
State: IL

Complaint narrative:
It appears that the Company Harvard Collection Services , LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

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 2024-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX and Equifax 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s a person shall not furnish any information relating to a consumer if the person has no knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/year> Discover Card changed me {$5100.00} as a reversal charge from funds they took from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I previously worked with upstate XXXX XXXX before. Took a XXXX dollars loan and I paid it off ahead of time everything was smooth and all was a good experience. 
For the second time they were being a bit difficult by asking me a bunch of documentation s. I did submitted all the documentation even e video with me holding the driver license. 
I called inn to understand this scrutiny but the person on the phone told a whole different story nothing about the papwrwork the online system was telling me. 
My husband told me they did the same to him for XXXX dollars advance few years ago. 
Id say this is a pure discrimination regarding our ages and has nothing to do with their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted disputes and also called the company to rectify this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was paying {$30.00} for over 9 years.online but I was locked out of the online payment and I called several times to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had a conference call XX/XX/XXXX with one of there representative who asked me to pay {$80.00} which I did confirmation XXXX XXXXXXXX. I have tried several call and sent email to allow me to pay the amount that was agreed upon at court and each time they told me they would open back the online portal that I can make my payment nothing happened. On XXXX XXXX I received a Small claims court for XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX. I need some help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Over the last year I have requested the credit reporting company ( TransUnion ) to reinvestigate their findings as they are inaccurate. I have sought information regarding who they spoke with, when, what's their position, and many other questions regarding these accounts reporting 12 late payments regarding the incorrect information involving a company named ( XXXX ). This company purchased student loans and ended up reporting 12 late payments in a span of 6 months, when the accounts there were 2, loan 1 and loan 2 while the accounts were on auto pay with previous student debt companies, also the accounts were in forbearance during their XXXX purchase of the 2 accounts. After their purchase of the student loans, they placed new account numbers without notification, and immediately reactivated payments without any notification, the accounts were previously XXXX XXXX XXXX, and then XXXXXXXX XXXX during this purchase period of XXXX something in their system caused a reactivation of payments without notification. I have reached out to both TransUnion and XXXX, and both send very border plate response letters saying they have investigated and everything 's accurate without providing any additional information. I recently mailed ( XXXX ) certified return receipt mailing and ( XXXX ) has not responded to my request for information. The Fair Credit Reporting Act tells companies how credit reporting disputes should be handled. According to federal law, if a consumer disputes directly with the furnisher the accuracy of information thats been furnished to credit reporting companies, the furnisher is required to conduct a reasonable investigation about the dispute. After completing this reasonable investigation, the furnisher is required to report the results of the investigation to the consumer generally within 30 days. In this situation the furnisher ( XXXX ) has not responded in over 45 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 non-monetary relief
Consumer complaint received 2024-06-08 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: VA

Complaint narrative:
Equifax, XXXX and XXXX refuses to provide a close date on four on my accounts : XXXX XXXX ( XXXX ), XXXX XXXX, XXXX. They report the accounts as closed but with no close date. This is dirty tactics as it looks like my account is closed that current month with a charge off. If they can't provide the date the account was closed then delete the account. 

I have a dispute with Equifax currently for this issue XXXX. I'm sure by Monday I will get a response that everything is reporting correctly. 

XXXX, I don't have a dispute that was opened on XX/XX/year>. 

XXXX has been more helpful but 3 accounts still don't show a date : XXXX XXXX XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I called customer service and I spoke to representative I was informed by the representative that my account was getting closed I asked what about the money that was in the account she informed me that it will be sent at their discretion when they are ready to send it but then that tell me that they are closing account onto I called to find out why my card was not working

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This has been going on for over two months. We have had ( and currently have an expiring HELOC account ) for nearly 30 years. We believe Bank of America is discriminating against us because of age... they have asked for same information multiple times and underwriters have no idea about items in our stock portfolio. They just keep asking for more and delaying decision.

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 2024-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
I am a reference contact for a customer of Western Shamrock in XXXX, MO. On Tuesday XX/XX/year> @ XXXX I was contacted by XXXX and was asked if I could give the customer a message : to return a phone call to the company. I stated ok. The phone call lasted 24 seconds. On Wednesday XX/XX/year> @ XXXX I was contacted by XXXX again and she asked if I was able to get the message to the customer yet? When I replied yes, she asked what did he say? I stated that I had given the message and what the customer did with that message is up to him. This call lasted 30 seconds. On Thursday XX/XX/year> @ XXXX I received yet another phone call from XXXX again asking if I was able to give the customer a message to call. She stated she hasn't heard from the customer. This phone call lasted 29 seconds. On Friday XX/XX/year> @ XXXX I received yet another phone call from XXXX . She stated that the customer has not shown up when scheduled and has not heard from the customer and that the customer is past due. I stated that this is the fourth day in a row that you have called me and spoke with me and from my knowledge of working in the business for almost 10 years once you make contact or leave a message you are unable to contact for again for 7 days, she instructed me that this is not their company policy and yes, she can contact me daily. I told her I am just a reference contact I am not the customer and you can not harass me like this and I will be contacting the CFPB and she told me okay. I hung up the phone. On Friday XX/XX/year> @ XXXX I called XXXX back and asked for the corporate phone number which I was given ( XXXX ) XXXX. I attempted to contact the corporate office and could not get anyone to answer the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I am writing to dispute an incorrect student loan balance reflected on my credit report with Mohela. The current balance of {$4500.00} is inaccurate. My student loans were forgiven as of XX/XX/2023, under the Biden-Harris Administration 's forgiveness program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2024-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
To whom this may concern I was checking my credit report XXXX XXXX XXXX XXXX and XXXX and found the following items to be in error by provisions of the Fair Credit Reporting Act, I demand these items to be investigated and removed from my credit report. I do not recognize TRANSWORLD SYSTEMS opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 
It is my understanding that you will recheck these items with the creditor who posted them. I demand proof of original contract for the collections. Please remove any information that the creditor can not verify. I understand that under 15 USC section 1681 I ( A ), you must complete this reinvestigation within 30 days of the receipt of this letter. I would like to please receive a updated copy of my credit report and copy of the verification information for accuracy to the above address. Thank you for your time and help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX reported a delinquent payment on my credit report without sending me a statement or any default notice. It is my understanding that this is a violation of the Fair Credit Billing Act Part D 1666 ( b ) 6. 

I only learned of this past due payment from an XXXX alert telling me I had a negative item reported. I pay my charge card off in full every month. The month the payment wasn't made XXXX  XXXX XXXX did not send a statement. I can't make payment on a bill I don't know I have. There was no statement in the mail, text alert or phone call. 

Once I received the XXXX alert I immediately contacted XXXX  XXXX XXXX and paid the {$66.00} credit card balance. After lengthy investigation with XXXX  XXXX XXXX, they advised me over the phone that my account was switched to paperless billing and that they can't find authorization from me to switch and it appeared to be a system glitch on their end. 

They have told me numerous times they will update the credit report but they haven't done so yet. It is unfair companies like XXXX  XXXX XXXX can report a negative event on a credit report without first sending a bill or notice of payment due, or notice of default to the consumer. 

They have refunded the late fee and interest charge related to this payment. I'm requesting your help in correcting their credit reporting to XXXX, XXXX and Equifax. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had CashApp account for my friends to send money to me easily. I didn't even know it existed at first! Then money was disappearing out of account on regular basis because someone was purchasing XXXX in my name!! I didn't know what it was at first. I couldn't get help for almost 2yrs. from CashApp FRAUD DEPT at ALL!! THEY BLEW ME OFF NEVER REFUNDED A XXXX TO ME! SO I DELETED DATA & UNINSTALLED APP. I had done so much research on this CashApp & found out that they are fraudulent company period. It was opened so criminals could XXXX XXXX internationally & steal money from customers with integrity & they let these criminal organizations know right off the bat that they would NEVER CALL IN AUTHORITIES ON THEM!! SO THE AGREEMENT ON THE TABLE WAS TOO GOOD TO PASS UP FOR CRIMINALS*

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Received a text XXXX XXXX XXXX XXXX XXXX XXXX associated with Chime banking. " Your Chime account is ready! Just download the app to access it : '' with hyperlink. I contacted Chime directly at XXXX to notify them of the fraudulent opening of that account attached to my phone number. I did not want to provide personal information other than to alert them of my number being used fraudulently. They did not close the account or place the account on hold/alert. I was told they can do nothing. My credit is already on freeze. So I am reporting to FTC and credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
When comparing my credit reports, there is a report from Experian on XXXX XXXX XXXX XXXX XXXX  ] showing a 30-day late payment for [ XX/XX/year> ] This report is inaccurate as the XXXX and XXXX do not show the same late payment.

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