vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reported non payment through their collector to all credit bureau and that had a massive hit of XXXX points on my credit score. 
I moved out of the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX in XXXX and I have prove of my forwarding address submitted to the apartment leasing office and also XXXX XXXX to forward any closing bill whatsoever. 
They never sent anything to me but only to find out the credit bureau deduct XXXX points from my credit and have the negative remark which will be on my report till XXXX I called XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX TX XXXX to show any prove of letter sent to my forwarding address but they couldnt provide any. 
I paid off the said amount of {$730.00} since last week after I found out through credit bureau but they wouldnt go back to the credit bureau to fix their mess. 
How would I have paid a bill I never received? 
Please help me. 
I have inform delivery on my forwarding address inbetween that period and now so I can prove they never sent me any closing bill.

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 2023-11-13 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX of XXXX I looked at my Macy 's statement and seen there was an additional interest charge for a 12-month promotional credit program that expired. The interest charge was {$520.00} for a purchase that was made for {$1600.00} on XX/XX/XXXX for a loveseat that was delivered and sent back because it was damaged. Macys took of the interest charge but not the charged amount. The loveseat was delivered but sent back and my account was not credited. Macy did remove the additional interest but didn't remove the charge for {$1600.00} from my account. I paid the entire balance of {$1600.00}. I've been trying since XXXX of XXXX to get this charge removed and I am not getting anywhere. Macys keep closing the case. I feel at this time there is nothing I can do about it unless I just don't pay my bill. Also, Macys is not allocating the paid monthly payments to the promotional balances evenly. This is causing us consumers to get hit with an extremely higher interest rate. They charge you the interest on the original balance and not what is the current balance. Macy changed the account number. The original account ended in XXXX. Now the account is XXXX. 

Macys is continuing to give me the run around. I have been trying to get this removed from my account for over six months.

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 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Money Stash, L.L.C.
State: MO

Complaint narrative:
I was traveling and had no access to my bank accounts. On XX/XX/2023 I excepted a loan for {$500.00}. I was assured my maximum payment would be no more than {$800.00}. 
Moneystash continues to withdraw money from my account multiple times per month. 
To date they have collectted 9 payments for {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please see the article from XXXX XXXX : XXXX  : XXXX Experian has had critical security flaws in their account creation process for years now and has done nothing to fix it. With basic, publicly available information and some personal info, it's extremely easy for someone to commandeer an Experian 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 2023-11-13 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Getting XXXX XXXX by " LVN V XXXX XXXX bank {$3400.00} '' I never own an XXXX bank account I have no access to this account somebody open a fake account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TN

Complaint narrative:
I closed my account with XXXX XXXX and returned all equipment I had received from them. I received a closing statement showing nothing was owed. 
At a later date, I received a bill for {$420.00} for equipment not returned. As I stated, I had ALL equipment that had been in my possession, so did not and do not owe XXXX anything. I did not pay them. They had a debt collector contact me via email. I furnished information to the first debt collector, who investigated the issue. THE FIRST DEBT COLLECTOR CLOSED THE CASE SINCE I DID NOT OWE THEM MONEY. 

THIS FALSE ACCUSATION HAS AFFECTED MY CREDIT RATING, WASTED MY TIME, AND CAUSED ME UNDUE XXXX. PLEASE REMOVE ANY DEROGATORY REMARKS ON MY CREDIT AND CEASE AND DESIST THIS UNWARRANTED ACTIVITY.

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 2023-11-13 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:
I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

1 ) XXXX XXXX XXXX CHARGED OFF ACCOUNT XX/XX/XXXX Account Number XXXX XXXX 2 ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I received a total of 8 phone calls over 3 days. 1 call on XX/XX/23, 5 calls on XX/XX/23 and 1 call on XX/XX/23. Ive asked before to not call during certain times. I called back today and the representative was very rude and hung up in my face so I filed a complaint within the company.

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 2023-11-13 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-13 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I received an alert that OneMain Financial had pulled my credit. This was not an inquiry that I was familiar with and I did not authorize this. I called the company to file a fraud report. Apparently there was already {$15000.00} withdrawn under my name. They clearly do not have sufficient fraud control in place to monitor this. I filed a police report today and will be proceeding with the fraud report with OneMain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has a horrible track record protecting our personal information. They should have been shut down in 2015. They continue to provide practically NO PROTECTION OF PERSONAL INFORMATION. The latest issue is documented in the article below from XXXX on XXXX. The article has a list of XXXX security issues since XXXX. When will the government do its job and stop these security-incompetents? Their sheer lack of security controls endangers every person in the United States. 

XXXX XXXX XXXXXXXX

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 2023-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023 someone opened a capital one 360 savings account without my consent and a week prior to this incident someone tried to receive unemployment benefits in my name. 
I want to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: AK

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.

has violated my rights. Or a list of inquiries : 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 2023-11-13 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: AK

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.

has violated my rights. Or a list of inquiries : 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 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 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I authorized a payment for a purchase online from a friend. After authorizing, I suspected fraud. We called and emailed Venmo immediately telling them not to authorize. I also called my bank and reported potential fraud. The bank recommended that I stop payment, and I did. In the days to follow, Venmo contacted me saying that they sent this person {$900.00} on our behalf, because my bank was not authorizing the payment. We contacted their customer service department several times telling them that we are potential victims of fraud. They said that since we authorized the payment as " friends and family '' on the Venmo app, that there is nothing they can do. They froze my account and refuse to assist me, saying that I owe them the {$900.00}. I called them back asking why I am responsible for Venmo to pay a " loan '' to this potential fraud customer. They just said it was our policy. I asked for them to identify that in their documentation, and they did not. I asked several times for corporate escalation and they refused. 

I am asking Venmo to recognize that this " loan '' is not my responsibility. In addition, I am asking for CFBP recognize Venmo as a company that is not holding themselves accountable for their responsibility to the public and protecting their customers from fraud. 

CFBP, please assist in settling this dispute. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I got a car rental reservations that they charged my card back in XXXX for {$170.00}. I cancel the reservation and company agreed to charge a {$50.00} cancelation fee. They gave me a credit in XXXX for {$120.00} and then they rebill the same {$120.00} amount in XXXX instead rebill for {$50.00}. I call my credit card company and they stated they cant do anything because the company already gave me a credit in XXXX. I'm explaining that they rebilled the same amount instead the {$50.00}. The lady said cant do anything. I asked to talked to a supervisor and after placing in hold for minutes told me no one available. I'm telling her they need to give me credit for the {$73.00}, she didn't want to listen of what i Have to say. Someone needs to resolve this issue.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX again over the weekend on the XXXX XXXX and spoke to XXXX and I sent a letter attach with the response again from the courts XXXX and XXXX refuse to supply me in writing the name and address of the persons reporting the public records and also stated tgat they don't have too but for states that they are suppose to so again I tried and I ask is anyone u can speak with thats higher than consumer affairs each advise me no I even ask for ceo they refused

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 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent/LVNV funding has requested payment and I have never had any consumer business dealing from a consumer standpoint, and do not know who they are and request that they cease and desist from trying to collect any debt from me as I do not even know who they are. Also that they be deleted from my consumer profile, credit report on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

XXXXXXXX XXXX  - XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$9700.00} {$0.00} XXXX XXXX XXXX  XXXX XX/XX/2023

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 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
I have government loan now the new lender is EDFINANCIAL services. I have tried all kind of communication to speak with a representative absolutely no luck for over 3 months following is what I have done : 1- called EDFINANCIAL many times the waiting time it said is XXXX hours! obviously I can not be on phone that long. I left many messages there has been no reply no contact with me for the last 3 months. 
2- I sent certified letter to the lender two months ago no respond.

3- I went online and contacted them and again no respond 4- I contacted my state representative XXXX XXXX and reported EDFINANCIAL to fail communicating with me. The state rep staff XXXX XXXX is following my concern. 

I believe ED FINANCIAL they are the worse lender I have ever come across absolutely no line of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: AK

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.

has violated my rights. Or a list of inquiries : 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 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