vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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:
I recently obtained my credit report and discovered fraudulent accounts listed on it. XXXX XXXX, the company, has faced numerous government court cases for alleged unlawful practices, resulting in losses for the company. As a victim, these accounts are now impeding my ability to access credit. Therefore, I kindly request the immediate removal of these fraudulent accounts from my 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 2024-02-15 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: VA

Complaint narrative:
See attachments *** Debt collector continue to report this inaccurate information! Reporting of accounts as charge off when they have been paid in full! Using unfair, or unconscionable means to collect a debt! Pursuing to privacy of 1974, pursuant to 15 USC 6802. False or misleading representation

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
See attachments *** Debt collector continue to report this inaccurate information! Reporting of accounts as charge off when they have been paid in full! Using unfair, or unconscionable means to collect a debt! Pursuing to privacy of 1974, pursuant to 15 USC 6802. False or misleading representation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
LOCKHART, MORRIS & MONT is some collection debt firm. They're trying to collect the debt for XXXX XXXX XXXX XXXX in XXXX Georgia. I have not been to this Hospital in years I have not lived in XXXX Georgia in 10 years. This debt is well over 7 years old. They have sold the debt to this Lockhart Morris and Mott and now it is been filed on my credit once again it has already been on my credit report for a total of 7 years under a different collection agency now they have reopened it. And as you can see in the screenshots I sent it's under two different companies same amount filed two different times at two different dates they're selling the debt around and keeping it on my credit where I am unable to progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, an unauthorized payment of {$2500.00} was transacted from my Venmo account. Someone hacked my account and sent this money ( presumably ) to themselves. My password had been changed ( likely when the hacker was already in my account ), and I had to reset it via email. 

I reached out to Venmo same day to alert them. They suspended the account so no other transactions could go out, and filed this as a dispute and sent it to the Account Specialists to investigate. I took action separately and reached out to my bank to close my account, so that the funds would not go through. 

On XX/XX/XXXX, I received an email stating that they covered the {$2500.00} payment on behalf of me as my bank account was frozen/closed. They stated that I would need to pay off this balance. They came back to me on the same day and told me my dispute was denied as the 'transaction is consistent with my payment history '. The email stated that I could reach out to an alias to request the documentation used to investigate my claim. I reached out on the same day ( XX/XX/XXXX ) and still have not heard back. I also tried to defend my case and point out the suspicious behavior trying to make an appeal. 

I waited a couple of business days for a response - nothing. So I reached out again on XX/XX/XXXX to follow up and made the official appeal. They came back today ( XX/XX/XXXX ) and said they denied my claim with no reasoning/justification. 

With the lack of turnaround on the documentation, I have reason to believe that they did not adequately investigate this situation. The initial reasoning of 'consistent with my payment history ' is absurd because I have never sent payment of this amount in a single transaction. I don't know understand how this was determined and have yet to get a response from Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I went to title max in XXXX South Carolina on XXXX got a title loan for {$3000.00} and i was told by the lady that did my loan XXXX that the interest would be {$5.00} per day. On XX/XX/XXXX I had accrued more than {$470.00} in interest. I called the store and spoke with the store manager on XX/XX/XXXX and she told me she can not tell me how much my interest is and that i was misinformed because the store associate is a new employee. I contacted corporate which led me to the voice mailbox of the district manager that has not returned my call. The store manager admitted to me that i was misinformed due to the employee being new on they job and did not know what she was doing. When i was there to get the loan the store manager left for lunch leaving the inexperienced employee alone to handle me as a customer. Now i am suck in this loan with interest more then 3 times the amount i was told it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Someone took out a credit card under my name without my knowledge and now Im in debt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
on or about XX/XX/XXXX i received call from SYNCHRONY ask me to verification and sent copy of Photo ID and utilities bills and i did sent on XX/XX/XXXX and account still restriction for no reason on XX/XX/XXXX i called the customer support to resolve the matter but those very poor customer support in philippines are incompetent and untrained, i'm attaching copy of require docs

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Newport Intermediate Inc.

Complaint narrative:
Good day, I'm from XXXX but I've been working onboard a XXXX XXXX XXXXXXXX XXXX  for more than two years and for that reason I have a North Lane account. Last month I had an emergency back home with my family so I resigned. However, I don't know what happened with my North Lane account, but it's not working anymore. 
I have some friends and they warned me about it.They said once we leave the ship, they 'cancel ' our account, so we are not able to use this account. However, I spoke with the financial manager before I resigned the ship, to make sure I'll be able to use my account and they said that it's not a problem. 
My problem now is : I have a XXXX account and I need to send money from North Lane to XXXX. For that, I need to add a new bank account ( XXXX XXXX on the north lane website. But for any reason, I can't do it.

I sent more than 5 emails to north lane support, I've been talking with north lane support via XXXX  for more than two weeks and the answer is always the same. I sent a screenshot with the error message, my passport photo and all the information they need and they say 'wait for 1-2 business days '. I've been waiting more than two weeks JUST TO ADD A NEW ACCOUNT IN MY NORTH LANE ACCOUNT TO SEND MONEY TO HELP MY FAMILY WITH MY XXXX  ACCOUNT. I don't know WHY it is so complicated. 
A lot of people have problems with this north lane. They never help us! Please, I need to send this money ASAP. 
I even sent them the XXXX account information, so at least they could add this information, but NO, they can't do it, So please, may you help me with this? It's a simple problem, I just need to add a new bank information on my north lane account to send my money. 
This is disrespectful with us. I'm very upset with this bank and I would like an answer. 

Can you imagine if it was you? You worked more than 2 years to save so much money and when your family needs you, you are not able to send money because your bank canceled your account, because you are back home now, and not in the USA.

I have emails and XXXX conversation with them. When I send an email, they answer 'send us a XXXX  ' Thanks.

Ps. I saw a black space to add my account number but I don't have this information, because this is only a salary account so I never used this information before. I tried to find in the north lane website but there's not my acocunt number there. I only have my card number and I don't know if is possible to find my information with my name/email adress or something like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act. This List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 15 USC1681 section 602 A. States I have a right to privacy. 

15 USC1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 


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 2024-02-15 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act. This List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 15 USC1681 section 602 A. States I have a right to privacy. 

15 USC1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 


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 2024-02-15 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: NY

Complaint narrative:
Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX XXXX Report Number XXXX, Consumers XXXX XXXX XXXX account number XXXX, XX/XX/XXXX TransUnion report XXXX, XXXX  XXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX Report Number XXXX, XXXX  XXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a 100 % service connected XXXX veteran. I had to declare bankruptcy XXXX ( XXXX ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original XXXX agreement. I have never been late. I contacted the Credit Union by phone and letter several times but this loan still shows up on my Credit Reports as being XXXX in the bankruptcy and a XXXX balance, which it was not. I spoke to the Credit Union and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form XXXX, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. XXXX  in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the XXXX XXXX should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX  XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT 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 2024-02-15 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: FL

Complaint narrative:
According to your acceptance on XX/XX/XXXX. 2021 this account has been paid in full. It was accepted and cashed with no response over 60 days. Therefore making the debt PAID IN FULL. 



No proof of Bilateral contract

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 2024-02-15 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: FL

Complaint narrative:
According to your acceptance on XX/XX/XXXX. 2021 this account has been paid in full. It was accepted and cashed with no response over 60 days. Therefore making the debt PAID IN FULL. 



No proof of Bilateral contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
According to your acceptance on XX/XX/XXXX. 2021 this account has been paid in full. It was accepted and cashed with no response over 60 days. Therefore making the debt PAID IN FULL. 



No proof of Bilateral contract

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my 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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my 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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
The following personal information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be deleted effective immediately.

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 2024-02-15 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. 

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 non-monetary relief
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be deleted effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
The following personal information is incorrect

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
The following personal information is incorrect

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