vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXXXXXX XXXX XXXXXXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against Experian and XXXX for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last XXXXur digits of my Social Security XXXX are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXXXXXX XXXX XXXX directly, requesting the correction of this erroneous information. However, despite my request, both Experian and XXXX have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of Experian and XXXX to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that Experian and XXXX, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year>, my credit card statement showed a charge for {$4200.00} from XXXX XXXX. I contacted the Synchrony Bank and disputed the charge. I also called XXXX XXXX. The merchant agreed that he did not provide service because XXXX would not approve the transaction. However, eventually XXXX did approve the transition but the merchant did not provide service and so would not accept the funds transfer from XXXX because he did not want to pay a fee as he did not provide any service. 

The merchant told me I had to get a refund from XXXX. I contacted XXXX who said they don't work directly with consumers and that my credit card bank had to handle the dispute. 

According to the merchant, his bank ( XXXX ) refunded his XXXX fee. I have been dealing with the call center for XXXX  months and can not get this resolved.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion conducted an investigation and refused to remove fraudulent rental collection from The XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from The XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for 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 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I had recently got approved for an Destiny MasterCard. I have been awaiting for delivery. I called customer service on XXXX XX/XX/2024 and was told that the card was shipped out on XX/XX/2024 and that I should receive it by XX/XX/XXXX. On XXXX after not seeing the card was in my mailbox, I decided to login to my account and to my surprise, the card was activated and used at XXXX XXXX for {$500.00} even. I don't understand or know how my card could have been activated by someone without my personal information. I immediately called to report the card as stolen because I didn't even receive it. I also file an complaint with the XXXX XXXX and contacted my local police department. I am an new customer and this is the first time this has happened to me dealing with credit card fraud. I now have to wait up to another XXXX  days to receive an new card, and now wait until an investigation is complete before I can recover the fraudulent charge and I have even touched the card. This frustrating and hope that the fraud department can resolve this matter quick. I am willing to press charges against any individual that used my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 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 am writing to point out some mistakes in the report titled in my credit reports. There are several incorrect names and addresses listed that need to be fixed. I am attaching the identity theft report with all the incorrect names and addresses as well. 
Names : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX The Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ClearOne Advantage, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against ClearOne XXXX XXXX regarding their handling of my debt relief program. Despite my efforts to resolve the issue directly with the company, I have been unable to reach a satisfactory resolution. 
In XX/XX/XXXX, I agreed to a settlement with a creditor through ClearOne XXXX XXXX. I was assured that this settlement would not increase my monthly payment of {$880.00}, which is due on the XXXX of each month. Additionally, I was assured that no other payments would be taken from my XXXX XXXX XXXX account other than the payment on the XXXX of each month. 
However, on XX/XX/XXXX, ClearOne XXXX XXXX  created an unauthorized draft, resulting in {$990.00} being taken from my XXXX XXXX XXXX account. This unauthorized action has caused significant financial hardship for my family. 
On XX/XX/XXXX, I called ClearOne XXXX XXXX  to cancel my account and spoke with XXXX ( # XXXX ), who transferred me to XXXX XXXX informed me that I would need to pay approximately {$6000.00} in fees to close the account. This conversation lasted over an hour, during which XXXX held my account cancellation hostage based on this fee. She only agreed to cancel my account after I provided her with my attorneys phone number and name. 
I became a member of ClearOne XXXX XXXX in XX/XX/XXXX. Since then, I have been constantly harassed with text messages urging me to increase my monthly payment, which I could not afford to do. 
I believe that ClearOne XXXX XXXX has engaged in deceptive and unfair practices, including unauthorized drafts and harassment. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX EQUIFAX IS IN VIOLATION OF REPORTING INCOME ON MY CREDIT REPORT ( S ) The charge off is considered a certificate of indebtness, and that is considered income. ' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report. Income can not be reported to my credit report. Please delete immediately. This is against the law according to IRS PUBLICATION 4681 : Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc.
State: MA

Complaint narrative:
I have been using SoLo as a XXXX ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have money in my SoLo wallet that I would like to use to fund loans on the platform. However, all my attempts at funding loans fail. I have therefore contacted the SoLo team several times ( XXXX days ago ; XXXX days ago ; XXXX days ago ; and today, XX/XX/year> ) to let them know there is a problem in the funding process, and try and find a solution. Every single time, they mentioned that they would create an escalation but that the Engineering team is currently experiencing a high volume of requests. 
Since my money can not be used to fund loans, I have attempted to withdraw it from my SoLo wallet to my bank account. What is the point to leave this money at SoLo if I am not allowed to use it? It turns out that my multiple withdrawal attempts have also failed. 
To summarize, SoLo is holding on my money and will not let me use it nor withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lentegrity Management, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I paid the settlement amount of {$900.00} to pay off my {$8900.00} auto loan. The amount stated in the letter sent by XXXX XXXX at Lentegrity was paid with my debit card and I was told my account would be closed. Then a new account was added to my report stating the account was opened XX/XX/XXXX for the amount of {$68000.00}. I sent XXXX XXXX many emails about this error on my credit report. He stated it was an error and he didnt know why that account was showing on my credit report. Now theres a new amount of {$680.00} as a balance. They are refusing to settle the matter and wont email me back. This has affected my credit score and ability to get any other loan. Here is the credit reporter who is in charge of my account through this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Office : XXXX XXXXXXXX XXXX Debt Collector License # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: CBC Companies, Inc.
State: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of VerificatioXXXX. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Accepted as value / accepted for value and returned for value as consideration for settlement and closure of the account according to UCC 1-308, HJR 192, 1933, and U S Constitution, Article 1, Sect. 10.

Signed : Without prejudice UCC 1-308, Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a couple of accounts that are " restricted '' with capital one. One of which has a positive balance. I have called numerous times to request the accounts be closed and also requested the money that is in the account that shows positive be sent to me via a check. This has been going on for the past couple of months and all I keep being told is it is a lengthy process to get the accounts closed and money sent back. What I'm not understanding is how it is legal for a bank to hold your money and refuse to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I HAD AN AUTO LEASE WITH ALLY BANK. ON XX/XX/18 THEY RECIEVED A LEASE BUYOUT CHECK FROM THE DEALERSHIP. I CALLED ALLY BANK 4 TIMES IN XXXX TO CONFIRM THIS INFORMATION, THEY TOLD ME EVERYTHING WENT WELL AND I NO LONGER HAVE A LEASE WITH THE, TODAY I WAS NOTIFIED THEY REPORTED THE LEASE AS DELIQUENT. I CALLED ALLY BANK AND SPOKE TO XXXX XXXX IN CUSTOMER ESCELATIONS WHO SAID THEY NEVER REPORTED ME AS DELIQUENT. I TOLD HIM I WAS LOOKING AT THE NEGATIVE REMARK ON MY CREDIT. I ASKED HIM TO PROVIDE ME SOMETHING IN WRITING TO SHOW THIS IS INACCURATE AND HE SAID HIS DEPARTMENT CAN NOT PROVIDE ANYTHING. 

EVERYONE FROM ALLY BANK CONTINUES TO SAY MY ACCOUNT WAS CLOSED WITH THE DEALERSHIP BUYOUT AND THAT THEY NEVER REPORTED ME AS DELIQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NV

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX  ). 
XXXX. A mortgage loan account opened at XXXX XXXX XXXX XXXX under the account number ( private ). 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). 

These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above.

I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have an account with Bank of America since I was XXXX XXXX and they are transferring my weekly paycheck from XXXX XXXX to another account I do not have access to or have I given them permission to do so. I am an XXXX XXXX XXXX and my parents are XXXX XXXX. I have not received my weekly paycheck that I use for expenses to afford XXXX  for almost three weeks. This has cause an undue hardship on me. When I contacted them regarding this matter they were vague about where the monies went as I do not have access to account. I want my monies to be put back into my 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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAD AN AUTO LEASE WITH XXXX XXXX. ON XX/XX/18 THEY RECIEVED A LEASE BUYOUT CHECK FROM THE DEALERSHIP. I CALLED XXXX XXXX  4 TIMES IN XXXX TO CONFIRM THIS INFORMATION, THEY TOLD ME EVERYTHING WENT WELL AND I NO LONGER HAVE A LEASE WITH THE, TODAY I WAS NOTIFIED THEY REPORTED THE LEASE AS DELIQUENT. I CALLED XXXX XXXX  AND SPOKE TO XXXX XXXX IN CUSTOMER ESCELATIONS WHO SAID THEY NEVER REPORTED ME AS DELIQUENT. I TOLD HIM I WAS LOOKING AT THE NEGATIVE REMARK ON MY CREDIT. I ASKED HIM TO PROVIDE ME SOMETHING IN WRITING TO SHOW THIS IS INACCURATE AND HE SAID HIS DEPARTMENT CAN NOT PROVIDE ANYTHING. 

EVERYONE FROM XXXX XXXX  CONTINUES TO SAY MY ACCOUNT WAS CLOSED WITH THE DEALERSHIP BUYOUT AND THAT THEY NEVER REPORTED ME AS DELIQUENT.

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