vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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:
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 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 2024-02-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never set foot in the dealer that caused these inquiries and they are all fraudulent because of identity theft and taking unauthorized action against my will.

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 2024-02-02 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: CA

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 2024-02-02 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: SC

Complaint narrative:
My information has been improperly used. Now my credit report has items that are not 100 % accurate. To make matters worst, my credit card limits got reduce because these inaccurate item are hurting my 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
My husband died suddenly in XXXX of XXXX. My daughter came to pack me up and to live with her. At some point in XXXX XXXX XXXX emailed me about the negative acct on my credit. It was for {$6200.00}. I was expecting some left over charges but because they are a creditor I could not do anything had to wait for probate. I had no idea about this no one ever contacted me by phone or mail. Once my husband passed everything was frozen and was in probate. The laws in Florida states that nothing can be done until his probate is complete, they even sold the house! My husband passed XX/XX/XXXX they had me in collections in XX/XX/XXXX plus they filed a claim with the court for the amount that they put me in collections for. Again I was never notified. Our attorney sent them a caveat by creditor which they did not respond to so because they ignored the notice I am not supposed to be responsible any longer for this debt..This probate was very lengthy. It was just recently completed. 
I was in the middle of packing and moving out of my daughter and now any place I apply for is turning me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a Care Credit account through Synchrony Bank. I not only paid regualrly and on time, but made payments over and above the monthly amount. I had a balance of XXXX  in XX/XX/2023. When I received my statement the balnce was XXXX I called and asked about it and was told it was a late charge. I asked how can there be a late charge if I made payments that would cover several months. Apparently they failed to credit my account with the extra I was paying. At any rate, I included a note with my XXXX payment, " Full and Final Payment ''. My check was cashed, yet I received yet another statement with an additional {XXXX added I called as was treated quite disrespectfully, and they disregarded the fact I clearly stated, " Full and Final Payment '' in XXXX. Now today, I received a statement with a balance of XXXX}, this must stop. I attempted to reslove this issue with the bank once again and was told there is nothing they can do. I need to know to what extent can I take my complaint?

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed two accounts that was not reporting accurately. I had one late payment on two of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXX now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action

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 2024-02-02 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: PR

Complaint narrative:
Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).

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 2024-02-02 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: PR

Complaint narrative:
Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).

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

Complaint narrative:
Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).

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 2024-02-02 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a covnsumer.

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The sent a letter stating they would be closing all of our account on or before XX/XX/year> and this letter was XX/XX/year>. 

I do not know why they are doing this but I need a definite answer because i have to change all of my pay and direct for my employer and my retirement accounts. 

I need to know if this has anything to do with an investigation or a past issue with my mortgage.

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 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I got an alert from XXXX XXXX XXXX  about someone opening an account in my name. I checked and it was an inquiry on my credit reports for Capital one/Cabela. I know I had not opened any accounts. On XX/XX/XXXX, I contacted XXXX XXXX XXXX. I also contacted XXXX. I Went to the Social Security office, but they said they couldn't do anything, they did give me a pamphlet. 

On XX/XX/XXXX, I filed a police report and contacted Capital One/Cabela. After contacting the Capital One/Cabela they said they would check into it and said the application was not yet fully processed. They said they would cancel it. I made a police report but is not able to pick it up until Monday. Also going to contact the FTC today. 

Somone had also opened this card in my name on XX/XX/XXXX and I made complaints that was later resolved. 

Not sure what billing address, email or phone number they are using. Capital One/Cabela said they could not provide any of that information to me. I would have to contact police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I received a call from someone claiming to be from XXXX XXXX. They had my name, address and phone number. They told me an account had been created and a ZELLE transfer initiated. There was no money in the XXXX account and ZELLE would take the funds from any bank I had an account with. The caller gave me a case number XXXX and two transfer ID 's XXXX & XXXX. I was instructed to call ZELLE directly at XXXX. I did so and the person who answered tried to walk me through a cancellation from my current bank 's website. I made a mistake and we were unable to complete the cancellation. I was told I would receive a call in the morning to complete the cancellation. My bank found the activity suspicious and canceled my access to ZELLE. When I called the fraud line on the ZELLE website the next day, I was asked why I was calling if the bank canceled my access to ZELLE. I mentioned I never set up a ZELLE account and I wanted to disable or cancel any existing account. I was told that I had to go through my bank to cancel my ZELLE account. I was unable to do so because my access had been canceled for my safety. I was then told I had to give my ATM number to them so they could locate my account. I refused to provide that information and they said they couldn't help me and hung up on me. I believe this is a deceptive practice and the ZELLE company is inviting fraud and not protecting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
ONEADVANTEGE IT A SCAMMER COMPANY DIDINT HAVE VALID COMMUNICATION PHONE AND DON'T AWMSER ANY COSTUMERS REQUEST PLEASE HELPPPP

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
XXXX refused to do anything to assist the customer and attempted to victim blame. They did not reveal that they along with all of the big banks own this business when they stated that they are unable to intervene or sanction the business. they are allowed to continue to prey on the public.

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

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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

Complaint narrative:
I have made 120 qualifying payments in my student loans. My prior servicer ( XXXX  ) placed me in forbearance on three occasions because they couldn't process an IDR payment within a month. 

I was ready willing and able to make those payments and tried multiple times to have them corrected. Mohela has also not worked with me to correct those missing payments. 

I have been working for the federal government since XX/XX/2013 and have never missed a payment. My loans should be forgiven. Mohela is telling me that I need to make 4 additional payments at a much larger amount. This is wrong according to department of education rules and I should already have my loans forgiven now. I submitted PLSF certifications multiple times. I also submitted a department of education complaint and heard nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
BILLING ISSUE ( 1 ) The TOTAL BALANCE and MINIMUM PAYMENT DUE amounts displayed on my ONLINE statement are different than the amounts shown on the HARDCOPY statement. This financial and system error was experienced ( notice ) by the customer once or twice in 2023. However, when I addressed the issue the CSR at TD Bank simply explained that I did not make the full payment. However, for months and the financial information displayed is may not have been clear. The person did not catch the system issue. This could result in payments that are " short '' and lead to payments that are categorized and reported as " late '' to the credit bureaus. This results in negative information being reported by the credit bureaus, decrease of credit, denial of credit. This system error and financial reporting should be corrected immediately. This is the reason why the monthly minimum payments I made in 2023 only satisfied the ONLINE minimum payment due and not the HARDCOPY statement ( minimum payment due ). The financial information being displayed could not be validated. 

( 2 ) There were several customer service, delivery, and billing issues reported in 2023. All outstanding issues were resolved by Raymour Flanigan/TD Bank except for adjusting the MINIMUM MONTHLY PAYMENT to a lower, reasonable amount that the customer can afford. 


My Issues : ( a ) My credit limit was decreased with other creditors ( XXXX XXXX, XXXX  XXXX and XXXX  credit cards ) because of inaccurate and negative reporting submitted TD Bank to the credit bureaus for my TD Bank account. The negative reporting submitted by TD Bank were due to Raymour & Flanigan customer service and billing issues in 2023 and not the fault of the customer. TD Bank inaccurately reported both late and delinquent payments in 2023 due to furniture and credit delays. 

( b ) My credit account was closed with other creditors XXXX XXXX XXXX and XXXX credit cards ) because of inaccurate and negative reporting submitted TD Bank to the credit bureaus for my TD Bank account. The negative reporting submitted by TD Bank were due to Raymour & Flanigan customer service and billing issues in 2023 and not the fault of the customer. TD Bank inaccurately reported both late and delinquent payments in 2023 due to furniture and credit delays. 

( c ) In light of all the customer service issues and delays with shipping, billing, credit, and call center conversations please advise if my minimum monthly payment can be reduced to below {$200.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My correct information is Name : XXXX XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Wrong information on my report - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IN 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 2024-02-02 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: GA

Complaint narrative:
Transunion is reporting all of these as hard inquiries and they should not be reporting these on my credit report because these were not authorized by me. Here is the list of hard inquiries being report by Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC REPORT # XXXX I request these hard inquiries to be removed at once

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 2024-02-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I sent a dispute letter to the XXXX XXXX XXXX XXXX Credit Card XXXX, about a purchase I made that was stolen, I included the police report and also sent the letter certified mail and it was delivered XX/XX/2023. 
Despite the XXXX period having elapsed, I have not received any response from the company. The purchase in question was initially authorized, but the subsequent theft has led to this dispute. 
I kindly request your intervention to facilitate a prompt and fair resolution to this matter.

Company response to consumer: Closed with explanation