vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked the status of an old account and it stated that it will be on record until XX/XX/2024 but the on record date has been removed. I took a screen shot last year when it showed the On record Until date.

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 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva Credit Card endorsed by XXXX XXXX : Yearly fee was applied to the account without my notice ( also no balance was held ). New to me as the account was not charged this yearly fee the previous year. Fee was also not marked as a transaction, so could not identify it as a charge. 

Card closures take days. 

Exorbitant interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-04-13 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Notified by XXXX XX/XX/XXXX about debt to LVNV Funding Requested verification & item was removed from credit report Recieved communication from Resurgent Capital on XX/XX/XXXX that LVNV submitted a debt to " prelegal '' status XX/XX/XXXX I received no communication from LVNV Funding or Resurgent Capital until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay Carnival Mastercard closed my account on XX/XX/XXXX. I had not been able to take a cruise that year due to my sons graduation. I did take one in XXXX of XXXX, and currently have one planned for XX/XX/XXXX. However, when I went to redeem my points, I could not find my account. Calling Barclay, they said they closed my account due to inactivity. I never received notice or forwarning. I would have charged something. I had about {$200.00} dollars in active points. I earned these points in XXXX of XXXX. They are/were not set to expire until XXXX of XXXX. Active points by definition is Activity on my account. Again, if they needed me to charge something to keep my points, I would have done so. I did not know they would steal my active points in my account. They could have blocked lending, but kept my points until they expired. They chose to kill my points that I earned, and simply close my account without forewarning. I would like to be reimbursed my points stolen. Dirty move!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
Ive submitted paperwork certification for PLSF and the payment counts, employment dates and ineligible payments seem to be incorrect. I am still employed by same company completed the form less than a year ago and dont understand why my account is not updated correctly. I have not been successful with getting in contact via phone with Mohela and submitted email requesting information. Please let me know how to proceed so that my information and payments, counts reflect correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My Ally bank checking account was locked for no reason. I called multiple times, asked what is going on. They told me nothing other than an account specialist will have to call me in one to two business days. I can't pay bills, this is criminal. One customer service rep tried asking me random questions about information that might apply to me as multiple choice. Apparently I didn't answer them correctly because she was unable to authenticate me. They couldn't text my phone either. Don't know why, I have 0 answers and no way to access 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 non-monetary relief
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act Equifax has violated my rights. 15 U.S.C. 1681section 602 A states I have the 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. As a federally protected consumer I opt out of ALL authorization. My transaction history has been shared and I do not consent per 15 USC6802. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX, XX/XX/XXXX with the assistance of a Huntington Bank customer service agent, I made an authorized e-paymentfrommy Huntington Bank checking account to my other checking account locatedat XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

100 % of the funds were fully available. 
Even after the epayment processed, I still had approx {$30000.00} still left in my Huntington Bank checking account. 

Since XX/XX/XXXX, Huntington Bank has kept me locked me out of my checking account which is my only way to pay bills as nearly everything is paperless these days. 

Since XX/XX/XXXX, I have called Huntington Bank nearly 17 times trying to get them to unlock MY checking account. I have also called Huntington Banks XXXX number customer services line to escalate a complaint ... .and it has gone no where. All I hear from them is apologiesand they keep blaming the " higher ups '' or the " people in the back office ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Right now, they say that I'm back on my escrow account. but in XXXX  I owed about {$1000.00} Dollars that was payed off that year, the next year my mortgage payments went back up again saying that I owed back money on my escrow account again for over XXXX dollars. And my mortgage went back up again. this year saying that I'm back in my escrow. They take money out every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 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: AL

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, contacted M.G. Credit today at XXXXXXXX XXXX and spoke with XXXX XXXX who verified that the acount was paid in full, but stated that I needed to pay an additional {$51.00} for collection fees, which is not true. XXXX XXXX verified that the account was opended in XXXX of XXXX and not not XXXX. It is reported as being opened in XXXX. The account is therefore past 7 years old and I am requesting that it is deleted from my credit report, as it is listed on all three bureaus and I am working on clearing up my credit. I appreciate your assistance in addressing this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Constantly having issues logging into website to make payments. It keeps saying account is recognized. Contacted customer service to reset password ( which I knew the password ) and they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: AL

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by TransUnion, XXXX, and XXXX regarding the following debt collection accounts which were being inaccurately and innocuously reported : XXXX ) XXXX XXXX -- XXXX {$4400.00} XXXX ) XXXX XXXX XXXX XXXX -- XXXX {$590.00} XXXX ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, XXXX, TransUnion XXXX and XXXX continue to XXXX and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which TransUnion, XXXX, and XXXX are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.

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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
The USBank Reserve Credit Card offers 3x Rewards points on all purchases made through mobile wallet payment methods like XXXX XXXX. However, since XX/XX/2024, cardholders have only been receiving 1x Rewards points for such transactions. This change has resulted in the loss of thousands of points. Despite promises to address and resolve this issue, it remains unresolved.

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 2024-04-13 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following Experian Inquiries - XXXX XXXX XXXX XXXXXX/XX/XXXX The following XXXX Inquiries XXXX XXXX XX/XX/2024 the Following XXXX inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital System LLC, addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to abide by the Fair Credit Reporting Act ( FCRA ) protects consumers and promotes the accuracy, fairness, and privacy of personal information in a timely fashion. XXXX  account number XXXX, has incorrect reporting information that has been on my credit report for more than 30 days. I have the receipt that states the balance is {$0.00} and the account is closed, yet it shows as active on my credit report in the amount of {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: VA

Complaint narrative:
In early part of XXXX  Transunion lowered my FICO score for no reason from XXXX to XXXX. They have never given an intelligent reason for doing it. XXXX, for example just raised my score to XXXX. Transunion should do the same.

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 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have used Square for my hair cutting services for years and have my own account with them. I recently received a notification from the IRS that Inhad 2 Square accounts. I know I only opened the one. Upon trying to get ahold of them, which you can only do so with chat, I told them about my situation and was told someone would be in touch with me. This was in XXXX. No one did. I did the chat again. They wouldnt give me info and then upon getting angry, I found out, an ex of mine has been using my info. I have his 1099ks in my name now. I can prove that he has his business and where that money is going. However, I found out he has taken a loan through square in my name, WITHOUT MY KNOWLEDGE, and every single time I try to get to the loan dept I am hung up on. I do not k ow the amount of this loan. And all I am told through the tax department is they will not change the 1099ks as long as there is a loan out. I had nothing to do with the making of this square account nor this loan and I can not get anyone to help me. I have filed a police report and I have filed fraud thru the IRS. I still can not get a person to talk on the phone with square to help me. My ex refuses to help me. He got the money from this loan that I never knew nor signed for. All this money went to an account in his name with a business in HIS NAME! And no one from this company will help me! The IRS wants almost XXXX from taxes on money I never made from these 1099ks that I just learned about! 
I have even contacted square through XXXX on your side and still have not heard anything, a have reference numbers from calling and then the last time I called was XX/XX/24 and I have been calling about this since XXXX last year and still have no answer! 
This loan is not being paid by him because Inhad to stop him from using this account so I am not responsible for more income! They are completely responsible for this loan as it was not me that took out this loan. Nor is it my own square account. I cant do my taxes because of these 1099ks.

I dont have any info on the loan except there is one and it was being paid per transaction and that XXXX needed to be paid still. 
Everything goes to his phone number so I have to go through him. He does not cooperate. In the account it will show what the business is and that the bank account is HIS! I was able to change the email on the phone but i cant get in because the phone number is his! And all the codes go to him!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have noticed a significant discrepancy between my credit scores from TransUnion compared to XXXX and XXXX. Despite positive changes being reflected on all three credit reports, such as the removal of a hard credit inquiry and a dropped-off balance, TransUnion has failed to update my credit score accordingly. For instance, as of XX/XX/2024, a hard credit inquiry was removed from my TransUnion report, and a balance owed to XXXX XXXX amounting to $ XXXX, was no longer my responsibility as of XX/XX/2024. However, while XXXX and XXXX have appropriately updated my scores, TransUnion has not reflected these changes.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Credit inquiry : XXXX XXXX ( XXXX ) XX/XX/year> Unknown credit inquiry

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