vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: NY

Complaint narrative:
The last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received your system-generated letter in a mail from XXXX, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: TX

Complaint narrative:
My card and id were stolen ; I was told to go to XXXX ( netspend XXXX prepaid mastercard ) and get another card which would be then added as an associated card. I then attempted to activate it as an associated cared on the account to act as a temp card ( they still had my temp card from over a year ago active on the account ande never deactivated once the permanent card arrived ). They closed both the stolen card and the prior associated card then went to create a " NEW '' account which then had verification issues. They then wanted me to send in information which has already been provided to them prior when there was unauthorzed carges on the account they deactivate. Then they wanted to charge me XXXX for an expidited replacement for the deactivated card, when I blew up and started asking for supervisor they then waived the fee ; however this still didn't provide me access to my funds as I am a diabetic and needed the funds for medications mainly insulin, I threatened that if I got XXXX  as a result would sue to which they transferred the mon XXXX to a XXXX wire transferee which sent me bounding around to XXXX locations as they wanted me to try different XXXX vendors ; which all failed due to my ID being stolen so I couldn't withdraw my funds. I then going into XXXX on the phone with them as hold times often exceeded XXXX minutes, the agent then informed me they would just cancel the moneygram and that I could get a friend to signup and then we could just transfer the funds to his account. I went back to per their instructions XXXX and attempted to buy another card which shows curently only XXXX to activate ; however they required a min deposit of {$10.00} which because they were holding my lawful funds XXXX I could not get access to mind you that they told me all I had to do was get the card nothing about a new deposit etc. The also didn't tell me about having a valid up to date id for the moneygram as since mine was stolen well that was impossible as could not get new ID because again they are holding my funds XXXX. When we got back from XXXX my friend/remate then activated the new card it said nothing about any restrictions on the card. I called XXXX back ; and both roommate and I were informed that they could not transfer the funds because there was a restriction on the acct that he would now have to wait for the permanent card before he could get transfers into his account. I started all of this at XXXX XXXX and at the time this complaint was filed it is XXXX : XXXX XXXX and still not resolved - this should have been a simple associated card to an account not opening up a whole new acct So I have paid for multiple " new accounts '' to be created and still do not have my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I have a pending court case for this issue. I do not owe anything to this company. The company removed all my belongings from my residence before I had moved out I am sueing for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dates : XX/XX/22 Amount : {$5000.00} Actions that were taken by you or the company : Sent me a letter stating they would open a claim but months later nothing has been accomplished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to delete the following information from my credit 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 ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from XXXX to XXXX and Capital One Bank. In XX/XX/2021 after an assault and battery that occurred on me, when I was hospitalized with severe injuries to my right shoulder neck and back. 
Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my capital one account my XXXX account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I don't think I worked for XXXX years. I lost everything it's in the hands of Congress because I'm trying to change my Social Security number. It's that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to help me with some accounts that are in my credit and they have not told me anything, they have never responded to me, not even by email. By law they must report what is happening with the case. It is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to help me with some accounts that are in my credit and they have not told me anything, they have never responded to me, not even by email. By law they must report what is happening with the case. It is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They are emailing and harassing me. It if a XXXX violation to have my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE. THE 2 ACCOUNTS THAT ARE STILL REPORTING ON MY CREDIT FILES ARE INCORRECT. 

XXXX XXXX XXXX XXXX THESE 2 DO NOT BELONG TO ME. THESE ARE A RESULT OF IDENTITY THEFT/FRAUD! THESE ITEMS DO NIT BELONG TO ME AND I DO NOT AUTHORIZE THESE AT ALL. THS IS AGANST THE LAW AND YOU ALL HAVE NO RIGHT TO FURNISH THESE. I REQUESTED INFORMATION ON XXXX OF 2023 FROM BOTH COMPANIES TO VALIDATE THE DEBTS AND NEITTHER COMPANIES WERE ABLE TO PROVE ANYTHING. I DISPUTED THIS THROUGH THE CFPB PORTAL WITH THUS 2 COMPANIES AND YOU ALL CAN CLEARLY SEE THAT THEY DID NOT RESPIND IN THE MANDATORY TIME FRAME. THEY ARE BREAKING THE LAW AND FOR THIS THEY MUST REMOVE THOSE ITEMS FROM MY FILES ASAP! I WILL ONLY GIVE THESE COMPANIES 15 DAYS TO REMOVE BEFORE I REPORT THIS TO THE XXXX XXXX XXXX AND Y STATES GENERAL ATTORNEY. 15 DAYS ONLY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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-2 ( A ) ( 1 ) A person shall 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 2023-10-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Fifth Third Bank and XXXX  XXXX have violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NJ

Complaint narrative:
I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
It seems although things are still being put on my credit report although I did the last report. It seems someone has stolen my identity to the point where I am not sure which is which. My passport was also recently lost. Late payments are being reported to my credit bureau although I had no idea of such accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It seems although things are still being put on my credit report although I did the last report. It seems someone has stolen my identity to the point where I am not sure which is which. My passport was also recently lost. Late payments are being reported to my credit bureau although I had no idea of such accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: TX

Complaint narrative:
I will be suing all 3 credit bureaus, for false placing student loans on my credit report for years that dont belong to me. Ive filed so many disputes over the years .I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 1. 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 non-monetary relief
Consumer complaint received 2023-10-06 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: TX

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 1. 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 XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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-2 ( A ) ( 1 ) A person shall 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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-2 ( A ) ( 1 ) A person shall 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
The past three payments I have attempted to make towards paying off my unsubsidized loans have been reversed without being given a reason. This is not an error of my bank, as I have full funds available to make these payments. The payment reversals have been on XX/XX/XXXX for {$75.00}, XX/XX/XXXX for {$75.00}, XX/XX/XXXX for {$600.00}, and XX/XX/XXXX for {$700.00}. 

In addition to that, I have not been contacted stating that the payments have been reversed. I have called today, XX/XX/XXXX, and have yet to be contacted by EdFinancial.

Company response to consumer: Closed with explanation