vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: CA

Complaint narrative:
I need to re-document and refile this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal 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 2023-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I thought the debt was taken care of in bankruptcy 12 years ago they contacted me a couple of years ago I did not believe the debt they threatened to foreclose in XXXX I hired a attorney he was able to stop it then they have not called back we are unable to contact them I want to take care of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2023-08-25 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: CO

Complaint narrative:
I applied for public service loan forgiveness under the Temporary Expanded Public Service Loan Forgiveness waiver. I have been employed in the public-sector for over 10 years, making on-time and in-full payments the entire time. My loans were transferred to MOHELA and my employers have been certified, unfortunately only the payments made during the covid forbearance are currently considered eligible. The other payments are showing No bill was due for this period, which is blatantly false. I have since been told this is because my Temporary Expanded Public Service Loan Forgiveness ( XXXX ) counts have not been added, but this contradicts the information I am seeing on my account ( which is demonstratably inaccurate ) and I'm not confident the servicer has any record of my payment history. 

I have been assured the payments should and will be counted but I have been hearing misinformation for the entirety of the 10 years Ive been in public service. This has been well documented ( https : XXXX ) and I have fallen victim to misleading claims throughout the entirety of this process. 

I am collecting my bank statements that demonstrate all my payments to XXXX in preparation to dispute this and have been told that all the payments will be counted. This entire process has been mired with gotchas that inevitably benefit the lender. I am simply trying to claim what Im owed and have diligently worked for for over a decade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I do not owe the alleged debt and have no knowledge of this alleged debt. They have not provided me with original copy of written contract with wet ink.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the validity and accuracy of this account ( XXXX ) on different occasions ( dates XX/XX/2023, XX/XX/2023 and XX/XX/2023 ) and what I asked for has never been produced. I received a correspondence dated on XX/XX/2023 that Equifax will NOT be conducting further investigation after receiving my dispute but still chose to furnish inaccurate information which is in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ). After Equifax reinvestigated, the account remained with inaccurate information which I believe is a violation of FCRA Section 611 ( 5 ) ( A ) ( i ) ( ii ). Equifax also did not mark notice of dispute for this account when FCRA Section 623 ( a ) ( 3 ) says it is their duty to provide notice of dispute. The dispute letter dated XX/XX/2023 was received by Equifax on XX/XX/2023 and the dispute letter dated XX/XX/2023 was received on XX/XX/2023. 

Tracking # 's are XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX Equifax has violated FCRA 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Equifax has violated FCRA Section 611 ( 5 ) ( A ) ( i ) ( ii ) Equifax has violated FCRA Section 623 ( a ) ( 3 ) I have attached documents showing these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: WI

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from 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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was charged arbitrarily and discriminatorily by XXXX starting from XX/XX/2023 all the way to the XXXX of XX/XX/2023 first to the tune of an incorrect amount on both me and the Capital One representatives part of about {$40.00} and then a charge on the XXXX of XXXX a charge of 3 large traveling bags from a store called XXXX XXXX XXXX XXXX  for {$52.00}. On XX/XX/2023 I called to rectify the situation after the initial amount of both transaction coming to {$93.00} was initial credited to my account then debited back into my account as a reversal. Upon going over the initial dispute amount the dispute charge amount was changed to {$77.00}. The main issue is the reversal caused my account that was a few cents in the green turned into - {$93.00} causing a deposit from XXXX  data breach of {$61.00} to get sucked up. At the reopening of the reversed XXXX $ case the adjusted amount was {$77.00} with them stating there will be no issuing of refunds of {$61.00} deposited into my account by XXXX and posted on XX/XX/2023. Please I would like a rectification of this situation with a positive outcome. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: MD

Complaint narrative:
Dep of EdXXXX by way of TRANSUINON is reporting inaccurate information on my consumer file. specifically : TRANSUNION is reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as 90 days late in a 30 day period, that's in possible! i have asked for bank statements or documentation but yet to receive them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Visa gift card from Vanilla Gift Cards. It was purchased at a local XXXX in XXXX XXXX, CA. This gift card was given to me with a {$100.00} balance. 

Upon opening the gift card, I noticed the second set of 4 digits were missing. So I was unable to check the balance or activate the card on VanillaGiftXXXX, due to having an incomplete 16-digit card number to enter. The card is also missing the security code on the back. 

I attempted to contact Vanilla multiple times, online, over the phone and it's impossible to get a hold of a representative to assist me in replacing the defective card. 

My last attempt was to try to use the card in-store without activating it, usually, some cards will allow you to activate them with your first purchase. It just gave an error and didn't allow the purchase to go through. 

I confirmed with the person who gave me the gift card and they had the receipt to confirm that the {$100.00} was paid and put into the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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:
The account was referred to a law firm for payment in XXXX. I received a letter from the law firm stating that they had closed the account and documented it with the County Clerk in XXXX, NY. They stated they would not pursue payment or accept payment. Yet they reopened it under XXXX XXXX XXXX for the XXXX XXXX XXXX and have refused to take it off my report. Therefore I insist that this is a fraudulent charge, as per the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 2023-08-25 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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX turns over unpaid Super Speeder tickets to XXXX XXXX XXXX XXXX for debt collection. The mailed notification of the Super Speeder fee ( {$200.00} plus a {$50.00} reinstatement charge ) -- a separate action from the initial traffic citation -- does not disclose this practice to the consumer. Instead, the notification gives consumers a choice : pay or have your license to drive in Georgia suspended. Because I was away from my home address, I received the Super Speeder fee notice dated XX/XX/2023 on XX/XX/2023. I had promptly paid the initial ticket of {$640.00} on XX/XX/2023. I opted not to pay the additional Super Speeder fee, since, as a New York resident, I do not intend or need XXXX XXXX in Georgia ever again. Subsequently, I received the bill from the collection service dated XX/XX/2023. 

I notified the collection service both in writing on XX/XX/2023 and by phone on XX/XX/2023, as well as by email on XX/XX/XXXX, that I was disputing the debt. The collection service noted the dispute but warned me that I might still be liable for the payment when I renewed my New York license. I am also concerned about consequences to my credit rating. 

I believe that the State of Georgia gave me a choice, which I exercised, not to pay and to incur the consequences. The selling of my debt to a collection agency is in violation of the Fair Debt Collection Practices Act and represents extortion of an invalid debt. I have contacted XXXX XXXX, Deputy AG in Georgia as well as the FTC about desisting from this practice. At the least, Georgia must notify drivers through highway signs ( as is done in New York ) about liability for additional fines, and disclose on notices that failure to pay may affect credit ratings of drivers. 

How do I insure that adverse results of this unfair debt collection practice do not affect other future transactions ( credit rating, license renewal in NY )?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Banking with XXXX, I have had to close my acct three times in past 2 Months. 

Fraudulent activity such as people paying bills with my accounts to companies of whom I do not know. 

Fraudulent attempts on my account from phone number XXXX Trying to get personal Info in order to take money from 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, a XXXX XXXX, command Equifax to unblock me from creating and gaining access to my updated credit profile with reports and scores in order to dispute errors. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for Equifax to discharge any errors or obstructions from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: MA

Complaint narrative:
This account was reported late to one credit bureau and on time to the next .However the account was never late XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$400.00} {$400.00} {$400.00} Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Balance : {$21000.00} {$21000.00} {$20000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$22000.00} {$22000.00} {$22000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Auto Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month 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 OK OK OK OK OK XXXX OK OK OK OK OK OK Equifax OK XXXX XXXX XXXX OK OK OK OK OK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
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